23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The company due to data breaching. 
My personal information is out on the dark web. It has eliminated me from open up eternal bank accounts as well as getting mortgages as well as getting higher extended credit on my existing credit line. I have disputed charges due to incorrect information that was on the credit reports as well as information that was submitted due to identity theft, incorrect addresses as well as incorrect information that was utilized in my name. 

I have requested this information with proof of being my debt and I have not got any response regarding this matter. I am looking into more in-depth information that would exceed to dismiss this that or debts in collections as well as information that is on my credit that is not correct in existing in the proper manner
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHNX FINAN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Citibank Customer Service po box XXXX XXXX XXXX, SD XXXX Re : Settlement Offer for Charged-Off Account My name is XXXX XXXX XXXX XXXX and I am writing to address a critical issue that has come to my attention regarding an account with your bank. Recently, I was informed by my background investigator that there is an account with Citibank that is past due and has been charged off. This information has been brought to light as I am in the final stages of securing a federal job, a position that I have worked tirelessly to attain. 

I am deeply distressed by this revelation, as I have no recollection of ever opening an account with Citibank. Nonetheless, I am committed to resolving this matter swiftly and amicably, as it is impeding my opportunity to join the federal agency. 

I want to emphasize the urgency and gravity of my situation. My mother, who has been diagnosed with XXXX, is currently XXXX and under my care. The financial and emotional burdens of her illness have been overwhelming. As a result, my resources are extremely limited. Despite these challenges, I am determined to clear this issue to secure my future and continue to support my mother. 

In light of my circumstances, I am proposing a settlement amount of {$1000.00} to resolve the outstanding account. This is the maximum amount I can afford given my current financial situation. I implore you to consider my offer with compassion and understanding of the hardships I am facing. 

Resolving this account will not only help me move forward in my career but also alleviate some of the immense stress I am under as I care for my sick mother. I am hopeful that you will see the sincerity and urgency in my request and accept my settlement offer. 

Please take this settlement proposal seriously and respond at your earliest convenience. I am eager to resolve this matter and am available to discuss any details necessary to facilitate a swift resolution. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I had a financial situation occur that was not my debt that brought my bank account balance down to nothing. I called my mortgage company in XXXX while I was still current to inquire as to if there was anyway to skip a payment. They informed me that they could do an " informal forbearance '' and I could skip that months payment and they would split it up over the next 3 months along with my normal payment. I told them that I could make my payment if it was going to adversely affect me and I was told that there would be no issues. I made the payments as agreed and well before the time they were due each month. I happened to look at my credit report and saw that they were reporting me as being 30 days late for the 3 months. I called my mortgage company to ask why this was and I was informed that they were sorry for neglecting to tell me I would get reported as delinquent and that there is nothing they can do about it. I reminded them that when I made the arrangement I was still in good standing and only did the payment arrangement as I was told it was not an issue ... and their response was again, " we are sorry for not telling you. ''
Product: Mortgage

We can not afford offered Loan Modification from Ocwen Loan Servicing , LLC . According our Attorney who review the offered Loan Modification agreement from Ocwen Loan Servicing , LLC to us we are going to be bankrupt within a few years if we accept that. And at our pre-retirement age it is not acceptable. We found a Minnesota local nonprofit organization who has a Program for Homeowners like us who can not afford to accept a loan modification but have to stay at the property due to medical reasons. The Non-Profit purchases the property at the Short Sale without signing Arm 's Length Transaction According to Home Affordable Foreclosure Alternatives ( HAFA ) program as permitted under Supplemental Directive XXXX issued by the federal government on XXXX XXXX, 2011, and rents the same property back to Homeowners with hardship like ours. The HAFA directive provides that Servicers may " approve sales to non-profit organizations with the stated purpose that the property will be rented or resold to the borrower, so long as all other HAFA program requirements are met. '' This quote is an excerpt from Supplemental Directive XXXX issued by the federal government on further information on the Directive issued on XXXX XXXX, 2011 ; the full relevant section of the Directive is attached. The Directive can be found at XXXX.
Product: Debt collection

I dont know who possible Fina is and want this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX  Account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX {$180.00} Opened XX/XX/XXXX Account Number XXXX XXXX XXXX XXXX : Original Creditor- XXXX XXXX XXXX- {$370.00} XXXX XX/XX/XXXX Account Number XXXX Midland Credit Managem : XXXX XXXX XXXX Amount- {$520.00} Opened XX/XX/XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off on my credit report I have identified a charge-off associated with XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  Under IRS guidelines, a charge-off is treated as income for tax purposes. As a result, it should not be reported as a negative item on my credit report, as it is effectively considered settled debt rather than an outstanding obligation. Reporting it as a charge-off misrepresents my financial status and has a negative impact on my creditworthiness. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and not misleading. Since the charge-off reflects a settled debt that the IRS considers XXXX income, it should not be listed as a negative item on my credit report. 
I kindly request that you investigate this matter and remove the charge-off from my credit report if it is determined to be inaccurately reported. Please provide me with written confirmation of your findings and the results of your investigation within the XXXX  days required by the FCRA This is violation of my rights under 15 USC 6802
Product: Mortgage

Mr. Cooper provided contradicting answers and provides poor service. I got off the phone today feeling like I don't matter to them as a customer, and I hope I never have to call them again in my lifetime. 

My bankruptcy will be discharged within two months, so I was trying to find out what my options are on refinancing my loan after the discharge. I called last Friday, and I was transferred to a " loan professional '' who said he would have to have someone call me back on Monday. Now it's late in the day on Monday, so I called Mr. Cooper again since no one called me. 

The individual to whom I spoke was rude and very dismissive. She said no one would call me back if I have an active bankruptcy. She practically laughed at me. My question is not silly : Can I refinance once the bankruptcy is discharged? I have made all of my payments in the plan, and I have been a good customer. I certainly never wanted to file bankruptcy, but those are the cards life dealt to me. Some understanding and respect would be nice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with XXXX XXXX XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus AND XXXX XXXX for reporting false information on my credit report AND defamation of character. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continually ignores my request for dispute and ignores my comments about being a victim of identity theft. I sent Experian an FTC Identity Theft Affidavit which I am allowed to do per my consumer rights. Experian not only allowed fraudulent inquiries, Experian continues to report a fraudulent account on my credit file as well. Experian states they verify the information with the data furnisher. However Experian couldn't possibly verify it with the data furnisher because I never received the account nor ever signed any application. I did not register the accounts and I did not receive any monetary transactions from these account 's. My wallet was stolen and my identity was used fraudulently to obtain these account 's. I do not know who the thief is, and I do not know who obtained the information. I have made it clear and in detailed my victim statement. My Social security number was used without my permission to obtain these account 's and or apply for these account 's. The companies involved DID NOT Clear my extended fraud alert before opening these account 's and Experian states they verify information however the company confirmed they didn't clear my alert. These are Extended fraud alerts / victim statements that the company chose to ignore. 

Fraudulent Accounts - XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX - XXXX Balance {$2200.00} ENTIRE BALANCE and account fraudulent no application was submitted no application was signed. 
Date Opened - XX/XX/XXXX XXXX XXXX Bank {$590.00} Balance Date opened XX/XX/XXXX. No contact information account never applied for fraud alert wasn't cleared nothing was obtained no card was received. 
XXXX XXXX XXXX  XXXX XXXX Balance {$150.00} Date opened XX/XX/XXXX Fraudulent application loan never received no proceeds were received opened by thief. Company was notified. 
XXXX XXXX XXXX Date Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Inquiries - XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX The accounts listed above and inquiries were the result of identity theft. This information is not to be collected upon as I am notifying you of my dispute. These are fraudulent applications, There is an extended fraud alert on my credit file the creditors ignored. I did not receive any cards or proceeds from these account 's.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint regarding late payments incorrectly reported on my credit record. After reviewing my records, I discovered these inaccurate entries. I sent letters addressing this issue over 30 days ago but have received no response or satisfactory validation.
Product: Debt collection

XXXX XXXX, account specialist, called once, asked to verify last XXXX of SSN. Admitted it was not mine and then said would research and get back. Then had his manager call -- still could not verify SSN. Yet looked up other matching cities and addresses to assert loan was mine and wanted me to admit it, repeatedly. I have never taken a loan from XXXX student loans, the creditor in question. He said he would put me in touch with XXXX student loans to confirm that I was not the borrower, put me on hold and then I hung up.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or recorded fraudulently in my name as a result of the breach. 
Please see the affected accounts and inquiries below : Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Debt collection

Receivables Performance Management placed a negative report to all three collection bureaus for a past due XXXX XXXX XXXX account that does n't even belong to me. They never tried to contact me in advance through mail or telephone. I have contacted XXXX XXXX XXXX and they confirmed that I do not owe this money and never had any infractions with them in the past. In fact, I am still a customer in good standing with them under a completely different account number. I called this XXXX party agency and they could n't give me straight answers. I mistakenly gave them my birthday for confirmation but when asked for my address or last XXXX of social security, I asked what they had on file and it was incorrect. This has scam written all over it.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report where I discovered that XXXX  ( Credit Collections ) ( account opened XXXX ) notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX did not approve the XXXX XXXX that I purchase when buying the car this was the reason for giving back the car. I had contacted numerous times to receive help and none was given. I took the car to 2 different mechanics and XXXX XXXX  did not approve but said they would when they received an estimate/ they never approved or replied about the warranty or estimates that were sent. They also told me they had sent out a check for the repairs which was a lie and deceitful.
Product: Debt collection

I have written to t he Consumers Affairs about this agency several times about the tactics of this collection agency. They keep inserting negative medical information in my credit report. I am in dispute with this medical facility. My insurance company is involved in the dispute. I will also be reporting Trans World to the governmental agency that handles HIPAA violations. I informed TransWorld via this site that I was not giving them permission to access my medical records. They accessed my medical reco rds anyway in detail.      XXXX  Acco  unt Owner : Individual Account.
Original Amount Owned : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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  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 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: Debt collection

I have repeatedly sent debt validation letters to Midland Credit Management and they only send me a statement of the account. I asked for proof they can legally collect on this debt and I have also disputed the debt with the credit bureaus and it is still under review. While the account is under review I still am receiving letters from Midland. The last letter dated XX/XX/2025, stated " Final Notice '' and it is a demand to pay the full amount of what they said I owe. I have disputed the amount as well.
Product: Consumer Loan

XXXX to 9 calls a day form different phone numbers.I have had this account for over a year and never been late, and probably owe about XXXX dollars.They call and just start some conversation like they know you persnally, then proceed with this call will be monitored or recorded, not evening telling you who they are when asked.
Product: Checking or savings account

I received a letter in XXXX that stated my free checking account would no longer be free because it did not meet the guidelines I use which would have been 10 uses of your debit card per month. That guideline was being eliminated and now my account would be charged {$12.00} per month. To ease into this process I would be given a 9 month grace period. But then in XXXX I opened up my checking account online to pay bills and what popped up online was an advertisement offering ways to avoid account fees, and one way was using your debit card 10 times in one month.

I immediately called into the call center, and was routed to my local branch which then escalated my case to the complaint center. And that is where the case lingered for weeks and weeks and weeks on end. I ended up taking pics of the ad with my phone which I have included with my complaint, and I was asked to fax them into my specialist. I received several letters telling me that a resolution was forthcoming. One never came. I called in on the XXXX of XXXX which was after the listed date that was given to me, denying my claim. 

This is unfair because it was their advertisement that caused me to pause and assume that my initial letter must be wrong because of seeing this ad. If you see anything advertised to you in a store that was a mistake or incorrect, they must sell it to you for that price. Why is the banking industry any different? To pay {$12.00} a month for keeping your money safe is just ridiculous and apparently someone at Wells Fargo thought so too, which is why the ad was never taken down! Although, now I am sure it has been!
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX credit report on XXXX XXXX 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 t

o 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.