23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX 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: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX, ACCOUNT # : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$460.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$22000.00}
Product: Checking or savings account

I documented all the steps I have taken in the attached document that is more detailed than this write-up and the dates. Please review it. 

There were fraudulent ACH debits on my account on XX/XX/XXXX for {$380.00} and {$4400.00}. I was proactive about securing my account by filing a claim and speaking with both the representative and a personal banker at the branch about the best steps to secure my account while the claim is being processed. Both representatives said that I should not close the account while the investigation is pending. However, one representative said that my account should be secure if I withdraw the funds from it and keep the balance low. Both reps claimed they could block ACH debits from my savings account, but not my checking. 

However, fraud continues to build up on my account. There was another unauthorized transaction that I noticed today, XX/XX/XXXX of a transaction on XX/XX/XXXX for {$380.00} that led to my account being overdrawn. I called in again and filed another claim, but I am dissatisfied that money is allowed to be continuously drained. 

I also applied for a {$500.00} promotion that has not posted. Obviously, the fraud and account security is more important, but I would appreciate if that could be expedited since it's probably necessary that I close the account since it's compromised. 

I believe I am being proactive about securing my account but Citibank is not. My checking account should be easily blocked from all future ACH debits. Please ensure this is the case. If this can not be done, I don't understand why we can't just close the account to prevent future fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. <P/>Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. <P/>I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Product: Mortgage

I refinanced my primary mortgage in XX/XX/XXXX with Rocket Mortgage. My mortgage was a 30year fixed at 4.625 % with taxes and insurance escrowed. I refinanced into a 30 year fixed at 2.75 % with taxes and insurance escrowed as well. My original balance was {$550000.00}. In XX/XX/XXXX, I received my escrow analysis statement showing that my escrow account is short {$5700.00}, and that my payment would increase by {$490.00} for the next 12 months. I immediately called Rocket Mortgage and was initially told that my taxes increased and that caused the shortage. I talked with the representative and told him this was not the case and the amount did not increase this much. I told him that I just refinanced in XXXX and there could not be this large of a shortage this quickly. He was not able to give me definitive answers but he transferred me to the executive offices where they could follow-up. I spoke with a lady who looked into my account and said she could see that my escrow account was underfunded at closing, but she wasn't sure why or how it happened. She would research it and call me back within 10 days. When she called me back she stated that she was originally correct in that my escrow account was underfunded for some reason and I would be responsible for the shortfall. Rocket mortgage is allowing me to pay the shortfall over 24 months as opposed to the usual 12 months.
Product: Debt collection

XX/XX/2023 Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, VA ZIP Code Re : ; {$17000.00} I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is a contractual obligation that is binding on me to pay this debt.

I disputed this debt because I don't recognize this debt. I made an agreement to settle for XXXX and paid in full to the NFCU representative over 7 months. I requested confirmation and have yet to receive confirmation of debt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have repeatedly violated my rights as well as the Fair Credit Reporting Act. Despite the several correspondences Ive had with them, they refuse to correct and continue to report inaccurate and unverifiable derogatory information about me. 
For one, I filed and informed XXXX and experian of an identity theft report in regards to the XXXX account and I also Informed them the information on the XXXX account was incorrect and derogatory and it needed to be deleted immediately. I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Reporting Act. They have allegedly verified this account several times electronically with the original creditor but never once to me as mandated by law. 
Secondly, I've actually disputed with XXXX XXXX and XXXX XXXX XXXX several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA
Product: Student loan

As of this moment in time I do n't have specific dates but on multiple occasions I have been deceived by how many individual loans there are, how much is being payed toward each one, how the accounts are setup, then when I call in and set up my auto payment I am told one thing then another and after setting it up I have to still call back again and again and again to make sure they are processing the payment. Once payment processes it still does n't happen the way it was set up ... the consistent misallocation of funds and waistling of my time ( can only call while at work otherwise they are closed or you have to talk to someone who does n't understand what your explaining ) has stressed me out and caused my patience to drop to below zero. This company is a horrible representation of banking, loans, and customer service! As of this moment in time I will have paid 5x ( or more ) the original inception to pay off these loans. And only 8 years in! All because they misallocate or lie and deceive you so that they make higher profits I.e. Repayment of 150 % or greater. <P/>If you or anyone you know has Navient as their provider I am truly sorry and I hope that you can get out from their tyranny
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to XXXX, XXXXXXXX Experian. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.
Product: Debt collection

I am asking for the collection account from Procollect to be removed from my credit report because the creditor XXXX XXXX sent the account for collections BEFORE the due date. I paid the account within the 90 days allotted as stated by the property manager. I have an email dated on XX/XX/XXXX from the managing office stating that I have 90 days to make the payment of XXXX. I paid the account WITHIN my allotted time hence it NEVER should have been sent for collection. I have a signed receipt of payment made on XX/XX/XXXX which falls WITHIN my ninety day window. I also have a copy of the check that was given.

The XXXX XXXX is extremely uncooperative with this process and even hung up the phone on me when I provided them with this proof. The XXXX XXXX   company was extremely rude. Both avenues have been very unprofessional. I paid the balance WITHIN the 90 day window that was given therefore the account needs to be removed from my credit report.

The account was NEVER supposed to go to collections to begin with because I paid on time.
Product: Credit reporting or other personal consumer reports

I was with XXXX  for my student loan, and XXXX  had to sell or give peoples student loans to other Servicing companies because of something they did. Now, XXXX has my student loan. They've had it since XX/XX/XXXX and they have failed to report to the credit bureaus. It looks as though I am late on my XXXX  student loan payments when I'm not. XXXX has been taking my payments out of my XXXX XXXX account. On my credit report it looks as though I'm not paying XXXX  and I'm getting alerts saying you are late on your student loan payments when I'm not. I am paying XXXX but XXXX is still showing open instead of closed or sold account. My credit score is going down because it appears that I am late on my student loans with XXXX, when XXXX  does not have my student loans anymore, XXXX does and they have failed to report it. They've had it since XX/XX/XXXXXXXX  and this is XX/XX/XXXX. When will they report my student loan so I can get credit for paying? This is ridiculous! I have petitioned Experian to investigate and they keep saying XXXX  has certified that this information is true and accurate and it's not XXXX  needs to go ahead and close out my account because I've been paying XXXX since XXXX. XXXX needs to go ahead and start reporting my student loan so I can get credit for my payments. XXXX said they would send me a statement of payment that I could give to experian. Why do I have to send a statement of payment to Experian shouldn't that be XXXX 's job? Shouldn't they be reporting my information to the credit bureaus? Can they actually look at the attachments that I send them in this complaint? I have sent numerous complaints thru the CFPB to experian and thru experian own website dispute portal. 
All they say is, this is true and accurate. No!!!! it's not!!! They never look at the attachments that I send because if they did, they would fix what I'm talking about.
Product: Debt collection

On XXXX XXXX 2016 on XXXX of my reports, XXXX and XXXX was reported {$600.00} and on a balance of {$2000.00} ... .. this borrow of bank money or whatever, I never have money from MW REC SYS I do n't know who this is. Midwest recovery Systems LLC is supposed to be the company doing the collection, I have never had anything in collections ever and I have over XXXX accounts and all of them 100 % on time paid off zero balance I have never owed anybody ... XXXX has hundreds of complaints against this reporting agency. Midwest recovery systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XX/XX/2025, I received an email from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating they would be servicing a loan that had been transferred to them from Truist Bank. 

I have no relations nor have I ever opened an account with Truist Bank. 

XXXX  is currently sending me Emails for " Authorization To Debit Account '' however I have no accounts related to Truist Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto lease account opened at 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 XXXXXX/XX/XXXX fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I obtained a home equity line from XXXX, then SunTrust, now Truist in XXXX. It was paid off in XXXX BUT XXXX never removed the lien from my home.We have been requesting a satisfaction of lien and a paid in full letter since XX/XX/XXXX. I am scheduled to close on the sale of that home on XX/XX/XXXX, so my need is urgent at this point. 

Confirmation # xxx was opened back on XX/XX/XXXX. My title company and I have been told that it was researched, completed and closed with a satisfaction of mortgage mailed to the court of clerks in my county for recording with a copy sent to the property address. BUT, neither the court of clerk nor I have received the items that SunTrust says that they mailed. 

So, new confirmation # xxx was opened requesting that a paid-in-full letter be faxed or emailed to my title company so that the sale of my home could occur as scheduled on XX/XX/XXXX. The case was supposedly escalated, but the bank is still showing it open as of yesterday 's close of business ( XX/XX/XXXX ). I was told that there shouldn't be a problem sending the paid-in-full letter since the matter was already researched and a satisfaction issued- even though it's been lost. AND they've confirmed that nothing is owed to them under either my SSN or the property address. 

Then, on XX/XX/XXXX, SunTrust opened another new confirmation # xxx and escalated it since the 2nd confirmation had not been completed. It is still open also. AND my title company still doesn't have the paid-in-letter. Why can they not send us a copy of the satisfaction completed under the first confirmation # and give us the paid-in-full letter that we desperately need to close? 

This is the worst, most inept customer service I've ever experienced with a bank. We've been promised a paid-in-full letter now too many times to count, yet neither I nor my title company have it. 

They should have released the lien back when the loan was paid off in XXXX. There's absolutely no excuse for them to not have completed this promptly once it was brought to their attention and they've had plenty of time since XX/XX/XXXX. 

I and my title company have literally spent HOURS on the phone with them listening to promises that they never follow through on. I've personally gone into their branches who show me that I don't owe them anything on their computer screens, but say that they can not give me the letter as it has to come from their Mortgage Dept. 

I now just have today ( Friday ) to get the paid-in-full letter so we can close on the XXXX since the XXXX is a bank holiday. I am elderly and desperately need your help. 

I also want others to know how XXXX, BB & T and Truist treat their customers. I would never do business with them again.
Product: Debt collection

I received a statement from Grant Mercantile Agency on XX/XX/18 stating that I owed {$190.00} to them. The statement date was XX/XX/18. I called my local hospital on XXXX and they informed me that I do not owe anything and they haven't sent any bills to collections. So, I am receiving statements of debt that I do not owe and that do not belong to me. I would really appreciate any help to be rid of this agency that is making up debts in my name that do not exist.
Product: Money transfer, virtual currency, or money service

I deposited over {$130000.00} to Crypto.com on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX where I have been trading cryptocurrencies for over a year. I was told that I would be able to purchase cryptocurrencies instantly but I wouldn't be able to cash them out or transfer them to my other wallet for 3 business days. After XXXX business days when I tried to transfer my cryptocurrencies to a more secure wallet I was told I couldn't because my transaction was still pending. An hour later I connected with them through their in app chat and was told it isn't really 3 business days but 5 business days before I could access my funds. I was given an article from their FAQ section to back up their policy of 5 days. When it was still pending after 5 days I was told, in their in app chat that it was really seven business days ( given an accompanying FAQ article backing it up ) and that my funds would be ready on XX/XX/XXXX. Now today I was told it really isn't 7 business days, it is seven business days from the date of last deposit, but the Customer Service agent said he was escalating my request and I would hear back from them soon. for six hours i checked in once and hour and was told by the customer service representative that he was working hard on my case. After six hours he messaged me that he was still working on my case, and I would hear back from him shortly. Then he signed off and left and I was written to by a new customer service agent who told me he would have to go through my chat history with them and " familiarize '' himself with my case and then he could help me. After an hour he said that he has escalated my case and I would hear back within a few hours again but it would be a few days until I could get my money back. So now it is another day I still can't get my money. They say there is no manager to speak to or any other team to help. They say hopefully, at some undefined point, I will be able to access my money. I am not holding my breath. It is fairly obvious they are having issues and why tell a customer the truth when they can just lie repeatedly. I hope this can be resolved without me needing to file a lawsuit to get my money back, but who knows. Anyone reading this, USE XXXX, XXXX, XXXX, ANYONE but crypto.com.
Product: Checking or savings account

On XX/XX/XXXX I was at XXXX  and someone stole my wallet. The guy took my wallet and took the two checks and atm out of wallet. He got money out somehow and now your company or XXXX  are coming after me knowing this guy had my wallet at the time the money was taken out. Here are the case numbers since he was caught and arrested. XXXX has it on video and there are two case numbers with the sheriff 's department. 

XXXX XXXX  XXXX XXXX I am disputing the charge of XXXX filed by XXXX.