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

Select portfolio servicing my mortgage servicing company shared my private personal mortgage information, amount owed, last time I made a payment, amount behind, who is on my loan to '' XXXX '', as admitted by their customer service rep They did this on XX/XX/2025. I called once I was informed that my account information was provided and also was told they disclosed who was on my mortgage that I was not calling them back. Which both is false. They had no written or verbal concent to do this. They admitted they discussed my account on XX/XX/2025 with a " XXXX '' and then the customer service rep realized my privacy rights were violated transfer me to XXXX who was very un ethical and un professional in the conversation with me about this stating he sees the call and needs to listen to it and it needs to be investigated, and implied that " maybe it was you '' how do " we know it was not you calling " implying I was XXXX that called, and also said " maybe your just upset because your behind on your payments. I could not believe the way he spoke to me or tried to manipulate the matter in fact of my private information being given out. I told him regardless if my mortgage is late, that Select portfolio servicing has no right to share my personal private account information with someone that calls in, with out my written or verbal concent. He continued to turn it around saying could it be I'm just upset i am behind on my payments. After long back and forth he said he would have to investigate it and listen to the call. I have heard nothing from them, almost 2 months? I called yesterday they said a letter was sent out last Friday and stated that it said they needed another 30 days to investigate this. Upon googling this mortgage servicing company i found numerous lawsuits and complaints from consumers against this un ethical business for their numerous violations. Please help. The call with the manager and other calls as to their practices were all recorded.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively affecting my credit score. I have reviewed my credit report carefully and found the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00} XXXX XXXX Balance : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been paying my mortgage on time over the last 12 month with XXXX XXXX XXXX. Somehow, from XX/XX/XXXX to XX/XX/XXXX, they did not clear my check- which was sent to the same address as before. Then I received a delinquent account report and dropped my credit score by XXXX points. I contacted the bank to explain, but they told me to contact the major credit bureaus. I was only able to contact XXXX but not XXXX or Experian. Would be helpful by them to open an investigation on this matter.
Product: Credit card or prepaid card

I was a victim of identity theft so I had to close my bank accounts. I made one late payment because of this and capital one refused to make an exception. Im a valued customer and I have never missed any payments since then. I spoke to someone at capital one and he agreed to report to the credit bureau and update it as never late. It us not been done.
Product: Checking or savings account

In XXXX I opened up my first bank account with Bank of America. I was advised to open up the account from a college preparedness class I was enrolled in from the High School I graduated from in XXXX. 
The processes to opening the account was fast and easy there were not any charges or cost that came with doing this. 
I applied for financial assistance through FAFSA.GOV I was approved to receive loans and grants to help assist in being a student attending the University. 
In XXXX I began my University experience. 
XXXX is the same year my bank account started to experience fraud. The amount of aid I received was being stolen. 
I held a regular XXXX XXXX  job since turning XXXX years old and my paychecks averaged out to be nothing over XXXX. 
My FAFSA.GOV award was a large quantity, much larger than any regular transaction happening within my bank account. Looking through the bank activity right away might of helped with acknowledging the fraud activity going on but that was the mistake I did. I took too long. Yes I file taxes but the amount I receive is very small like XXXX. 
In XXXX I received money from a law case the amount was XXXX there was fraudulent activity and the money went missing. I didnt get to spend this money it was stolen. The amount compensated for the vehicle that was involved in a car accident and it was not able to get resolved because the money was taken from the account. 
XX/XX/XXXX I made a call to Bank of America they sent me statements from XXXX to XXXX The written statements show the balance but the problem was never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses are not valid for me. 

XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX, MD XXXX
Product: Credit card or prepaid card

I requested an additional credit card on my ExxonMobil Citibank account. I never received the card in the mail. Between XX/XX/19 and XX/XX/19, XXXX unauthorized charges totaling {$800.00} were made to the card. I was never alerted to this fraud until I received my statement on XX/XX/19, at which time I contacted the card issuer. I was told that I would not be responsible for the charges since the card was never in my possession. I called again on XX/XX/19 to check one the status of the issuer 's investigation and was again assured that I would not be responsible for the charges. Thereafter, on XX/XX/19, I received a letter from the card issuer dated XX/XX/19 stating that I was responsible for the charges, despited the card issuers assurances that I was not, because I purportedly did not provide the amount of the charges. This is untrue. I called a final and third time on XX/XX/19 and listed all 16 fraudulent charges, including the dates and amounts. Notwithstanding my best efforts, Citibank has failed to credit my card for the {$800.00} and associated interest. I am attaching the statement showing the charges ( see " Card XXXX '' ). The last person I spoke to was XXXX whose employee ID number is XXXX. She too refused to resolve this issue, stating it was not her department, then disconnected the call without permission.
Product: Mortgage

We are in the process of selling our condo in XXXX and purchasing another condo in a different state. The purchaser of our XXXX condo was working with XXXX of the loan officers at Peoples Home Equity and was told that her loan was a " slam dunk ''. Along the way there were a few issues that came up but she was assured that the loan process was moving forward and that she would receive approval for her loan. With this information we moved forward with the purchase of a condo in another state. XXXX days after we were scheduled to close on the sale of the XXXX condo we received an email stating that the loan for the purchaser had been denied. The reason for the loan being denied was her debt to income ratio was too high. This is an issue that should have been addressed in the first week of the loan approval process and not at the last minute. Because of the last minute denial of the loan the purchase of our new condo is now in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Checking or savings account

On XX/XX/year>, a fraudulent transaction of ** $ XXXX was processed through my **Wells Fargo** checking account without my authorization. I promptly reported the issue to Wells Fargo, yet the bank has failed to provide adequate assistance or a timely resolution. As a result, my account has been overdrawn, leading to additional financial hardship, including overdraft fees and penalties. 

I am requesting Wells Fargo to : 1. **Reverse the fraudulent transaction** of ** {$2600.00}. ** 2. **Remove all overdraft fees and penalties** related to this unauthorized charge.

3. **Investigate and provide a written explanation** for the mishandling of my fraud claim.

4. **Implement better fraud prevention measures** to prevent future occurrences. 

Additionally, upon resolution of this complaintregardless of the outcomeI am requesting the **closure of my checking account ( No. XXXX ) and permanent deletion of my personal information** from Wells Fargos system. 

The banks failure to take swift action has caused undue financial stress, and I seek immediate resolution. If Wells Fargo does not act within **14 days**, I will pursue further legal action and regulatory escalation. 

I request that all responses from Wells Fargo be sent via **certified mail** only.
Product: Checking or savings account

I reported my card lost and stolen, But they didn't they did not deactivate my card some funds was stolen when the was card misplaced I found a dispute with the company Wisely and I still never replace my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and infroamtion in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXXXXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXX XXXXXXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} Medical XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I reached out to FIRSTPOINT Collection company on XX/XX/XXXX requesting full accounting of alleged debt as well as signed contract that I have with said company with my legal signature as well as proof of purchase of debt including any and all cost associated with alleged debt. I received a call on XX/XX/XXXX stating they didnt have to provide and that they are legally able to collect. I requested them to provide all info within XXXX days and to remove off my credit report immediately and I requested a cease and desist. 

FIRSTPOINT COLL RESO Opened XXXX {$310.00} FIRSTPOINT COLL RESO Opened XXXX {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card company Capital One is reporting accounts as 30 days late in XXXX and XX/XX/2020 during pandemic when current account was not supposed to be reported as late if current accounts made payment arrangements according to the Cares Act of 2020 Section 4201 I have been disputing this information with letters to Capital One and also the credit bureaus.
Product: Mortgage

Submitted a request to remove PMI from current loan. During the information gathering process I informed loan servicer that significant updates were made and confirmed what was done and when it was done thus dropping the criteria for current evaluation to 80 % instead of 75 %. The loan servicer reached out again to confirm date of upgrade and instructed me to pay a fee of {$190.00} to start the realtor opinion process. 

When receiving my rejection letter I was informed that my updates did not qualify even though there was no mention of this when going through the process. My current evaluation made the equity reach 79 % but PMI is being refused to be removed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. XXXX, XXXX, and Experian are reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Experian, XXXX. Do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX. ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ) 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 conviction of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is the law. 15 U.S.C 1681 s -- - ( A ) ( 1 ) A states '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. '' XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services. ''
Product: Mortgage

MY VA HOME-LOAN WITH XXXX VS XXXX XXXX XXXX : REFUSED TO FOLLOW VA LOAN PROCEDURES AS FAR AS : NO CLOSING COST, TAX-EXEMPTION SINCE, I AM XXXX XXXX   XXXX VETERAN. PLUS ITS A SINGLE STORY HOME, NOT A TWO STORY HOME. AMONG OTHER UNSCRUPULOUS CONDUCT DEEMED TO BE BIAS AND DISCRIMINATION AGAINST ME BEING A XXXX FROM THE " U.S.TERRITORY '' OF THE XXXX XXXX XXXX. I ADDRESSED THIS ISSUE TO THEM SEVERAL TIMES, AND THEY IGNORRED ME TOTALLY. AS WELL AS THE STATE OF NEVADA ACCORDING TO TAX STILL ADDING TO MY ESCROW STILL. DEEMED TO BE IN VIOLATION OF MY CIVIL LIBERTY RIGHTS, AND, Fundamental Right : been violated by the state of Nevada, as well as XXXX XXXX XXXX, for refusing to remove the tax exempt from my Escrow payment ever since. Due Process Clause of the Fourteenth Amendment substantive due process under ( DUE PROCESS ) : STRICT SCRUTINY. WHICH MATTER LEFT ME AND MY WIFE OUT IN THE DARKNESS AS CITIZENS OF THE UNITED STATES OF AMERICA.
Product: Credit reporting, credit repair services, 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. 

Account Number XXXX XXXXXXXX XXXX {$4400.00} POSTED ON XX/XX/2021 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting or other personal consumer reports

There are accounts being reported to my credit without my permission
Product: Mortgage

The mortgage company refuse to work with me in order to get a loan modification.
Product: Debt collection

XXXX XXXX card..sent account to XXXX XXXX   without my knowledge. Always had a {$160.00} allotment from retirement pay since XXXX ... after Hurricane Harvey hit last XX/XX/XXXX, lost car, furniture, eviction from home, mother ill in and out hospital, XXXX XXXX, 2 vehicle accidents..XX/XX/XXXX/XX/XX/XXXX XXXX I went down to $ XXXX/month.. wanted to keep sending what I could. I asked them would they please except this for like 5/6 mos.. til I get back on my feet.. Now recently they have deducted without my knowledge even more of what allotment was.. $ XXXX..requested hardship like XXXX ( XXXX XXXX card ) ..and they want all types of personal info from 2 prior months, ,ie..tax returns, bank  statements..just for a credit card.. orig balance was over $ 5000..and now it is down to $ XXXX- $ XXXX..this is ridiculous..PLEASE STOP THIS MADNESS..XXXX XXXX XXXX XXXX XXXX IS OVER XXXX XXXX CARD!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 


CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am a federally protected consumer. I am submitting a complaint against Capital one for reporting improper information on my consumer report as well as using extortionate means to collect on an alleged debt. According to 7 CFR 1956.54 the definition of a charge off means a debt written off and termination of collection. According to IRS publication, cancellation of debt is considered income which should not be reported on my consumer report. Furthermore, collection of this debt using extortionate means is a violation which one can be held criminally liable for up to 20 years. I am requesting the removal of my consumer report as well as proof of claim that Capital one has in fact suffered a loss or injury from these transactions.
Product: Debt collection

I received correspondence from Pressler & Pressler stating I allegedly owe them another {$2600.00}. I have found errors in their accounting. Per the numbers they sent me, they have collected {$3200.00}. This is incorrect. Just for XXXX alone, they report having collected {$1900.00}. Per my pay stubs on my former companys website, they have taken {$2100.00} from me in XXXX. 

From XXXX to XXXX, they state they have collected {$1300.00}. They have not provided where they got their numbers from and I am unable to verify and reconcile their reported numbers from XXXX to XXXX. The temp agency I worked for at that time does not keep records from that far back. Per the numbers Pressler & Pressler reported, they have collected a grand total of {$3200.00}. This is also incorrect. 

Per their numbers reported along with the records of my pay stubs, they have taken from me a grand total of {$4100.00} and are demanding another {$2600.00}. 

I do not find it prudent to send them any money or fair for them to garnish my wages without proof of debt. They didnt even provide where they got their numbers, as well as refused to provide proof of where the debt is from and have only listed the dollar amounts. If there are errors like this in their records, what is to stop them from making up another dollar amount and demanding more from me in the future after this is settled?