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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Experian, XXXX, and XXXX Data Breaches Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the Experian XXXX Data Breach and the XXXXXXXX XXXX XXXX XXXXXXXX, which have resulted in my personal information being leaked onto the dark web and shared with unauthorized parties. I am extremely concerned about the security of my personal and financial data, as these breaches have put me at significant risk for identity theft and financial fraud. 

Additionally, I would like to express my concerns regarding XXXX settlement with the Department of Justice in XXXX XXXX. Given the recent security failures of major credit reporting agencies, I am requesting that the CFPB take further action to investigate their handling of consumer data and ensure stronger protections for affected individuals like myself. 

I demand that Experian, XXXX XXXX XXXX  be held accountable for these breaches and that they provide clear, immediate steps to mitigate the damage caused to consumers. Furthermore, I request assistance from the CFPB in understanding what measures I can take to protect my personal information and prevent further harm. 

Please confirm receipt of this complaint and provide me with any updates regarding potential actions taken. I appreciate your time and urgent attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$540.00} XXXX XXXX XXXX, I have no idea of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I did an annual review of my credit profile, upon reviewing current credit status there are several inaccurate items and inquires reporting. Per the FRCA policy EQUIFAX is currently in violation of several of my consumer rights per 15 usc 1681b Permissible purposes : ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the CONSUMER to whom it relates ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Mortgage

Payment Errors : LoanCare did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2700.00}. This payment should have been credited as a standard monthly mortgage payment and distributed to Principal, Interest, and Escrow. Evidence of this payment has been provided to LoanCare through email and a direct letter referencing Error Resolution Notice under 12 C.F.R. 1024.35. 

Had this payment been applied appropriately, I would not have been charged a late fee of {$110.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX. Therefore, I requested a credit for these late charges in the amount of {$220.00}. 

I have made numerous attempts to correct this issue by calling LoanCare customer service line on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also emailed documentation on XX/XX/XXXX ( LoanCare Ticket # XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). Finally, I mailed LoanCare a formal letter referencing Error Resolution Notice under 12 C.F.R. 1024.35 outlining full details, proof the payment was made and received, and my account and contact details. 

To date, I have not received any acknowledgement of my inquiry or been offered any timeline for expected resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$6700.00} Status Collection account. {$6.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought my home in 2016 and when I went to look at report. My mortgage is not even on my credit. I can't get anyone from XXXX XXXX to answer my questions. I have had the loan in good standing for 7 years and it isn't even reporting. Also if I need to apply for any kind of line of credit saying I'm a home owner it looks like I'm lying which is fraud. I need this reported on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Data Breach XXXX  I filed my claim for free credit monitoring in XXXXXX/XX/XXXX. 
I received no email or contact verifying this but read that many people also did not receive information back and that the company would send out a code after the court settlement was finalized which turned out to beXX/XX/XXXX ... the day after the final date to file a claim. I have been a customer of Equifax paying {$19.00} a month since well before the breach. I filed a claim for free credit monitoring since I felt whoever took the information would be using it at a later date. It is now well after the date to file and conveniently the settlement did not start until you received your response AFTER the claim date so if there was a problem with your claim there is nothing you can do about it. They are saying they can not find my claim now ... and sorry- too late to do anything about it. I feel more like a victim now than after the breach!! I I feel that their waiting until after the final claim date to notify you was just a sly way of cheating breach victims out of their recourse. Please help with this issue!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Please ensure that the unauthorized accounts on my credit report are blocked and removed promptly. I did not open or authorize these accounts and do not recognize them. As stated in USC 1681g, I am officially requesting their removal within 15 days. Relevant documents are provided for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXIndigo continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX  score XXXX points for no other apparent reason other than them putting a remark on the Indigo account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.
Product: Payday loan, title loan, personal loan, or advance loan

I have canceled my loan in due time within the seven business cancelation period. I have done my duties in time to follow through with the cancelation. OneMain financial has done everything in their power to procrastinate the process by giving several excuses on why the can't cancel a loan I no longer wanted. They got refunds from my credit card companies they sent payments to. They would not fully comply on attempting to get a refund from my original title holders for my vehicle. They have been instructed several times on how to get the refund from my original title holders themselves. OneMain financial has been giving multiple excuses and run arounds about how they can not put the original title holders name back on to the title even after being instructed on to how to receive a refund. They had the representative call me on XXXX  XX/XX/XXXX and state that they need me to come to the office and sign a power of attorney to put the vehicle back into the original titles holders name which is XXXX XXXX. I went to the office to sign. Then I received a phone call on XX/XX/XXXX about how they can not put the title back into XXXX XXXX name. Onemain financial had the ability to put the title in their name. But is claiming they can't take it out. OneMain financial is trying to force me into keeping a loan in which I've canceled within their documented grace period and now OneMain states that they are keeping the Title to my car even after numerous attempts of following their guidelines into reverting the tittle back to my original debtor THUS TO NO AVAIL. Now I'm binded into a loan AGAINST MY WILL which is a violation of my Constitutional Rights. I went over the terms of my current loan situation and they have adjusted a loan agreement I did not apply for. The XXXX dollar advance I returned for the loan to be canceled was taken and my credit cards that was refunded won't be paid off. Onemain wants to hold the title to my car and submit terms on a new loan adjustment I haven't applied for or agreed upon.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing this urgent complaint regarding Chimes unjustified and unlawful actions in closing my account and withholding {$2000.00} of my funds without any legitimate explanation or resolution. I have made multiple attempts to resolve this issue directly with Chime, but I have been met with stonewalling, unhelpful responses, and an alarming lack of accountability. 

Chime unilaterally decided to close my account, effectively denying me access to my own money. This {$2000.00} was in my Chime Builder account and was being responsibly managed in good faith. By closing my account and withholding these funds, Chime is not only causing me significant financial harm but is also engaging in actions that appear to violate consumer protection and banking regulations. 

I demand an immediate investigation by the CFPB into Chimes handling of this matter. Their actions are unacceptable and may represent breaches of the law. I request that Chime be required to : 1. Provide a full explanation for the closure of my account. 
2. Immediately return the {$2000.00} that belongs to me. 

I have attached all relevant documentation, including account statements, correspondence with Chime, and proof of the funds in question. I ask that the CFPB prioritize this case, as the undue delay in resolving this matter is causing severe financial and emotional stress. 

Should this issue not be resolved in a timely manner, I will pursue all available legal avenues, including filing a lawsuit and contacting other regulatory bodies and media outlets to expose these unethical practices. 

I trust that the CFPB will take swift and decisive action to hold Chime accountable and ensure the return of my {$2000.00}. Please confirm receipt of this complaint and provide me with updates as the investigation progresses. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

There is multiple Inquiries that I did not do, and they have them on my Credit report. I have attempted multiple times to contact them and have them remove. However, they come back with it has been verified and accurate.
Product: Mortgage

My Issue with the Company Sun West as a whole is the constant lack of professional work ethics and inability to deliver on practical and basic services. I am trying to purchase a real estate property which Sun West is the " lender ''. The issue is after countless phone calls and documents the company can not provided me with an adequate reason as to what is holding up the whole transaction to be able to close on the property. Furthermore, after a minimal two extensions granted by the seller and even then I have yet to fully understand why I am unable to close on the property. The seller might even walk away soon due to the lack of transparency from Sun West the " Lender '' and lack of being able to accomplish a set closing date for the property. I have called corporate multiple times already throughout the process to only be shuffled from one unaware superior of my " loan officer '' to another. The people I  voice my issues with have stated that they will handle the situation and call me back to inform me of the resolution. Unfortunately not one of those superiors has yet to contact me back to todays date. I also have my real estate attorney and realtor as a witness to all the shenanigans. I am a first time home buyer and the process has been a total nightmare ; in which I do not feel like a valued customer nor, do I feel like this is fair treatment of anyone. I am in utter shock that a company of this magnitude is not under a fine microscope of the " CFPB ''. I spoke with my attorney and realtor before submitting this complaint and they both assured me that my current experience is not in any way, shape, or form a representation of how the home buying process really works.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, Santander alerted me to potentially fraudulent charges on my debit card. I contacted Santander to confirm that the charges at issue were indeed fraudulent, and Santander subsequently cancelled the compromised debit card. Following this, I reviewed in close detail every charge made to my checking account, for as far back as the Santander website would display. I noticed for the first time a recurring monthly charge of {$19.00} to a company called XXXX, an online learning company. I had never even heard of the company before. I made a claim to Santander, and, after not hearing back from them days later, I called to ask for an update. They told me that they would not credit my account for the fraudulent charges, which amounted to at least {$190.00} because the charges were older than 60 days old, and that I should call XXXX to have them reimburse me. I called XXXX, and they were able to confirm that the charges made to my debit card were not associated with any account belonging to me, but they also refused to reimburse the charges. I called Santander again to inform them of this, and they reopened my claim. A week or so later, Santander determined that they would reimburse me only for {$39.00}, which amounts for only 60 days ' worth of the fraudulent charges, and refused again to credit my account with the remaining {$150.00}. Both Santander and XXXX acknowledge that charges to my debit card on XXXX 's website were fraudulent, but neither company will reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern,XX/XX/2019 I woke up to an email that a new XXXX XXXX account had been opened up under my name Come the days to follow I began receiving numerous notifications from the credit bureaus of more fraudulent hard credit pulls. 

Ive also been unable to sign into my XXXX account online. XXXX emailed me on XX/XX/XXXX about an email address change on my account and to contact them if it wasnt me. Ive tried contacting XXXX and still havent received a response. I dont know why I didnt have to verify the change first because now Im still here locked out of my account. 

To date, here are the actions Ive taken so far ... 
I called XXXX XXXX  about the opened bank account immediately after I found out. They informed me they had done their part to make sure the bank account would be closed and no further accounts would be opened with my information. 

I then made sure to call and place a credit freeze as well as a fraud alert with all three credit bureaus. 

After finding more credit inquires, I called XXXX as well as Citibank to make a report. Both companies assured me that no credit cards or accounts will be opened in my name. 

I received a letter in the mail from CitiBank that mentioned they were unable to verify the accuracy of the credit information on my account, therefore not proceeding forward with the application. That letter will be attached. 

I took it to sign up with XXXX XXXX XXXX as a precaution for any further actions that may arise. Ill attach a screen shot as well from my XXXX XXXX account showing the reported credit inquiry information. 


List of hard inquiries pulled : XXXX - XXXX ( XXXX XXXX  ) - XXXX ( XXXX XXXX  ) - XXXX  ( XXXX XXXX   ) XXXX - Cbna ( Citi Bank Credit Card ) XXXX - XXXX XXXX  Credit Card - XXXX   BANK ACCOUNTS - XXXX XXXX Account - XXXX XXXX  Account Reserve Credit Line Request Thank you and I appreciate in efforts in helping me through this process.

XXXX XXXX
Product: Credit card or prepaid card

Seventh Avenue has been sending us billing statements with a reference number, but no product description, stating a payment of {$170.00} was due ( now increased due to late fees ). We initially ignored these statements because, after doing research, it appears this company is an old school phishing scam to get our personal information. We are now receiving statements stating they will send our information to professional collection agency. We had never heard of this company before, nor have we ever purchased anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I have been learning about my consumer rights and reaching out to the agencies that are reporting my information to please make corrections. I now understand what a grave responsibility they have to be accurate and fair. 

I am finding I get ignored, and this is the case with this complaint. I recently asked Capital one to remove a late payment showing on my account because I was in good standing and I did not give them permission to report this account as late ever. 

According to my consumer rights located in 15 United States Code 1681b they have to have my written permission in order to put this on my credit report and they did not have that. Nor did they have permission to show my balance either. I have reached out to them and asked and waited for their response. There was no change. 

Please help me get this removed right away. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in accordance with the FCRA 's rules to ask that the mentioned account, that I believe to be erroneous and incomplete, be REMOVED right away on my credit reports within 30 days : XXXX  XXXX XXXX Balance Owed : {$1800.00} - This account was reporting erroneously. I NEED this account REMOVED as soon as possible.
Product: Credit reporting or other personal consumer reports

Equilfax is reporting incorrect info on Medical bill collection XXXX XXXX. 
lettis attached and show the evidence of inaccurated info. on my credit report.