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

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

Account Bridgecrest was opened fraudulently. This account was not opened by me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided an FTC report to TransUnion in the last 30 days for an account to be removed due to fraud. TransUnion has refused to process the report citing that the creditor indicated the information was accurate, which it is not. TransUnion also indicated that the FTC report did not meet its internal guidelines, on which a second FTC report was filed. At this point, TransUnion has indicated it simply relies on the creditors information and give no deference or weight to the current FTC report that has been filed per TransUnion 's instruction. Per the FCRA, the account must be removed via the FTC report. See Sessa vs, TransUnion Case No. 7:19 -cv-9914
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Mortgage

The Money Source is the mortgage lender my loan was sold to without my permission this happened in XX/XX/XXXX. Since then I make all my payments to ( TMS ) The Money Source. Well, twice I did modification on my home due to financial hardship. Instead of my mortgage payments going down they increased, but I still made my payments. Last summer I applied for an equity loan {$38000.00} it was through HUD well I was approved, but ( TMS ) kept the loan without my consent and they had to put it on my principal and escrow. ( TMS ) applied {$31000.00} to my principal loan, my beginning balance was {$170000.00} this should of made my ending balance {$140000.00}. Instead they are still showing my principal balance at {$170000.00}. In my escrow there was a beginning balance of XXXX after deposit of {$7900.00} from equity loan and disbursements of {$5900.00} there was an ending balance of {$180.00}. In XXXX XXXX I received a bill from ( TMS ) stating my escrow account had a shortage in the amount of {$630.00} and If paid before XX/XX/XXXX my monthly mortgage payments would remain the same. On XX/XX/XXXX I sent them a payment of {$1600.00} according to ( TMS ) website my escrow was {$440.00}, my mortgage payment with late fee was {$1100.00}. Well, after I made this payment ( TMS ) increased my mortgage to {$1200.00} I called ( TMS ) and confronted them their rep told me I still had a balance on my escrow of {$190.00}. ( TMS ) rep told me on XX/XX/XXXX they would look into my situation and I would hear from them but I did not. I have a suspicion ( TMS ) is stealing and padding my account I need an investigation done.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. 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 CMRE. XXXX 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/XXXX ADDRESS XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have spoken with XXXX and the information that's showing up on my credit report is inaccurate. The customer service Rep. by the name of Ms. XXXX XXXX informed me that there were no Bankruptcy 's showing up on my file. So please have all three credit bureaus to remove this inaccurate information from my credit file this is indeed a violation of the ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I requested my 3 credit reports from XXXX XXXX XXXX XXXX XXXX through certified mail. My request arrived on XXXX. On the request form it clearly states my request would be processed within 15 days. It has now been more than 15+ days with no credit reports or mail communication. I am in dire need of my credit reports as I can not operate as a consumer if I cant see my credit information. I am losing consumer time & confidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early last year I saw a hard inquiry on my credit reports stating someone had attempted to open an account with Wells Fargo financial services for a credit card. This was not me. I contacted the credit companies, as well as Wells Fargo, and put a fraud alert on my account. I filed a dispute with the three credit bureaus asking for the information be removed. The credit bureaus state that they merely relay information provided by banks, and I must take it up with the banks. 
Later, this happened again, I had a inquiry stating that an account was attempted to be opened with XXXX, through XXXXXXXX XXXX  This time I repeated the steps, and filed a police report on the matter. I sent all materials including the police to he credit bureaus, who again told me to take it up with the bank. I contacted Wells Fargo, and XXXX XXXX  who have now been jacking me around for a year, with proof and fair notice of identity theft and that they are reporting fraud on my credit report, and a sworn affidavit of such from me. 
In particular, Wells Fargo has now sent me a third request asking for my account numbers and things I already sent them. I spent an hour on the phone with Wells Fargo describing the circumstances, emailing the items and the police report to the supervisor on the phone, then a month later they want to know something more and have me re-send the same information again? 

Wells Fargo is now participating in the fraud by deliberately stalling fixing their error.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to XXXX  a charge-off account reported on my XXXX XXXX by EXPERIAN, XXXX the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information. 

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/year> Dispute : The charge-off account is inaccurate and violates the following FCRA sections : XXXX XXXX U.S.C. XXXX ( a ) - Information shall be accurate : The account status is inaccurate. 
- XXXX U.S.C. XXXX ( b ) - Duty to correct and update information : The XXXX failed to update the account status after payment/full satisfaction. 
- XXXX U.S.C. XXXX ( a ) - Duty to conduct a reasonable investigation : The XXXX  did not investigate my XXXX, leading to continued reporting of inaccurate information. 
- XXXX U.S.C. XXXX ( a ) - Duty to conduct a reasonable investigation : The XXXX  did not investigate my XXXX. 
- XXXX U.S.C. XXXX ( a ) ( XXXX ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted. 

Specifically, I dispute : - The account status as " charge-off '' has been remove from mXXXX XXXX XXXX 

Request : I request the CFPB to : XXXX. Investigate this matter and require the XXXXXXXX to correct the inaccurate information. 
XXXX. Remove the charge-off account from my XXXX XXXX. 
XXXX. Remove any negative marks associated with the XXXX  account. 

Supporting Documentation : I have attached copies of : - My XXXX XXXX showing the inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX of XXXX Please investigate and take appropriate action to correct the inaccuracies.
Product: Student loan

I borrowed a total of {$38000.00} in XX/XX/XXXX and XX/XX/XXXX for my student loans with National Education Services from XXXX, IL. I noticed after making 87 payments on time that my balance was only rising. After speaking with them multiple times and not getting answers ( even when speaking to the President XXXX XXXX ) I finally talked to someone who told me there was capital interest on top of my monthly interest. The capital interest was for nearly {$14000.00} total. So my loans were starting at {$52000.00} with an additional monthly interest taking out. When I said I was never made aware of this I was told it was on my contract. When asked for a contract she said she would send it to me right away and I have yet to get it. 
It took me a while just to find out about this and again was never made aware of this, nor did my account ever reflect the total of {$52000.00}. I am appalled at this company and their actions throughout this situation.
Product: Credit card

Sorry don't have exact date, but on / around XX/XX/year>, tried buying XXXX tickets on XXXX XXXX from XXXX to XXXX, when I got this offer within XXXX XXXXXXXX XXXX web site to save {$300.00} on the ticket purchase if I opened an XXXX XXXX XXXX Chase credit card. Wanting to take advantage of this offer, I clicked the link ( see my 2 screen shots files ). the link worked, it took me to a Chase site, where i entered my yearly salary, and with a minute I was " Approved '' for the card. From that point, the link back to " Complete Purchase '' failed. I tried 3X more. still failed. I never purchased the ticket, hoping to reach either XXXX  or the Chase folks so they can manually support this offer. Multiple calls over the next 2 weeks to Case failed to grant me the XXXX dollar credit, yet the credit car arrived promptly in the mail 10 days later, revealing an annual fee of XXXX XXXX 

I wrote XXXX complaining of this issue, since it was their site that prompted this misleading credit card promotion but they said it was in the hands of Chase. I finally reached Chase a week ago, had them reverse the annual fee and I then cancelled the card bec of misleading promotions. they offered no apology, no amends to provide me with a future discount should I purchase air line ticket in the future. 

The XXXX Chase card I was promoted to open is : XXXX XXXX XXXX Mailed to XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Debt collection

This agency is violating your consumer rights by using false misleading, misrepresentation, and deceptive means. I have made multiple attempts to fix these issues directly through this company and they are violating my rights and i am aware that i am entitled to {$1000.00} for every violation Ive listed. Either they can pay or delete these accounts as soon as possible.
Product: Mortgage

I am attempting to have the PMI removed from my home loan. ServiceMac Mortgage Servicing Company is requiring me to sign an application by which I am required to agree to pay any amount they chose to charge me, for an appraisal of the property by any company they choose after the appraisal is completed. I refused authorize the company a no limit charge of any amount it saw fit and added an addendum to the application. I application was subsequently denied. I believe this is an unethical and unlawful requirement. I have no choice as to who services my loan.
Product: Credit reporting or other personal consumer reports

I recently overlooked my credit report and noticed several remarks are being reported for late payments. I strongly believe that this information is improperly being reported by XXXX, XXXX, Experian and is violating my rights as a consumer. Under the consumer law it states 15 usc 1681 restrictions on information use credit reports can only be accessed for permissible purposes. I did not give any permission or was not informed by the credit company. 
The dates that XXXX XXXX bank considers late payments are XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX would ask that this be fully investigated and any documents to prove this verified be sent to me.
Product: Credit card or prepaid card

I applied for the XXXX XXXX American Express Business credit card. I verified with American Express prior to applying that I would be eligible for the welcome bonus and was told that I was eligible and to apply. After meeting the minimum spend I was denied the welcome bonus. They provided several generic reasons as to why someone would not be eligible. I did not fall under any of the exclusions and they could not provide me with a specific reason. It was reviewed with their " back end '' team twice and was told to check back in a few weeks each time. After being denied I requested to cancel the card and have the annual fee refunded since they did not provided the promised welcome bonus. They informed me I was past the time period to have the annual fee refunded after it was due them taking so long to be back to me each time. I had chat transcripts of every conversation about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with a representative at Equifax and   XXXX  credit  reporting I have sent in documentation showing that I have paid my balance in full with   XXXX   XXXX   XXXX  .   Equifax continues to report a balance of {$11.00} on my report from   XXXX   XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted.  Reporting  this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. An Official Change-of-Address was submitted to USPS by an unknown person/entity. I am the only person in this household of 5 included in the fraudulent CHANGE OF ADDRESS REQUEST. My address has not changed in 27 years. The address change was initiated around XX/XX/XXXX. I can not be certain of the date because I am locked out of my online USPS account. I went to the Post Office on XX/XX/XXXX. The address change is sending my mail to XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. This address is rental property listed by XXXX. I called the Rental Agency : XXXX XXXX XXXX XXXX XXXX, to inquire about the above address. The residence is occupied at present so someone is getting my mail and packages. 
2. XX/XX/XXXX : USPS Informed Delivery showed a check from XXXX. I checked the box to indicate that the item was not received. Loss {$93.00} issued on XX/XX/XXXX. 
3. XX/XX/XXXX ( estimate ) USPS sent Official Change-of-Address Validation. I called to dispute the change. The Validation key printed on the notification to dispute this change of address was invalid. No resolution on the phone. 
4. As of XX/XX/XXXX, Losses of merchandise ordered online is between {$300.00} to {$700.00}. I have receipts 5. MOST IMPORTANT : I am trying to dispute fraud on my credit reports.

a ) The report ( s ) show at least 4 hard inquiries and 15+ soft inquiries. I did not apply for any credit or initiate any inquiries. 
b ) Experian credit report lists fraudulent addresses in my history including XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. I can not get an Experian Rep on the phone to file a fraud claim. I tried to file a fraud claim on-line at Experian.com/fraud as directed by the automated phone menu since no live person was available to accept my call. The Experian site is sending verification messages to a bogus email address which I do not recognize and can not access. Who knows if the recipient can now change my username and password in Experian SINCE I CAN NOT GET ANYONE ON THE PHONE TO ASSIST WITH THIS FRAUD. I must wait until Monday when Experian resumes business hours. A lot of damage can be done in 48 hours. Thanks Experian. How can a primary credit reporting company not have 24/7 service to report fraud?
Product: Credit card or prepaid card

On XX/XX/2022, I loaded {$120.00} on a NetSpend card at XXXX in XXXX, XXXX. I was unable to activate it. When I called customer service I was told I was ineligible for the NetSpend card. They could not give me any explanation that was acceptable and said I would receive a refund in the mail within 7-10 business days. The money was for my car insurance so now I ca n't drive. I have never been accused of theft or fraud so I am not understanding this. I spent {$2.00} for the card. The company needs to notify customers before they purchase a NetSpend card that this can occur. I have XXXX issues and as you know we are living in some terrible times. This almost pushed me over the edge. 

On XX/XX/2022 I called customer service to inquire about my reimbursement check. I was told it had not been mailed. After I requested that my reimbursement check be mailed, I was told that I would have to pay for the delivery of my check. So now I've paid for a NetSpend card that I can not use, I have to pay for the delivery of my money back and I don't have car insurance. 
I have emailed the President of NetSpend and NetSpend customer service. I have not received a response.
Product: Mortgage

XXXX XXXX, has done everything he possibly could to save his home. He even tried to pay the reinstatement amount with the check and Nation Star would not accept the amount of money that be took from his 401K to pay the debt to bring the loan current. 
NationStar had one amount and their attorney had another excessive amount for their fees. When XXXX XXXX called Nationstar they were not aware that the attorney refused the reinstatement bank check.While Nationstar/Mr. Cooper and their attorney not working together a sale date was set and XXXX XXXX had to file a Chapter XXXX bankruptcy to stop the sale. 

XXXX XXXX has tried so many times to save his home, Nationstar /Mr. Cooper told him they did not need any proof of income from him - but the immediately refuse to help him or deny him from any workout on his loan. They even denied the payoff that they created and sent him. 

The attorney had one payoff amount and the bank had another and the bank was looking for the payoff and asked why it was not submitted? According to the bank it was denied by their attorney without their knowledge. 

While trying to get some help the home could go into a foreclosure auction date again even though he made a payment. 

Nationstar /Mr. Cooper will not help.. 
Please help - Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request for assistance with XXXX, Transunion, and XXXX. I am completing this complaint for myself and I no one is putting up to it. There are accounts listed that are not mine and I have given my written instructions to remove. Late payments on accounts that have not been late not once. This is my written instruction for the following accounts to be either removed or corrected. This is pursuit 15 US Code 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Remove the following accounts - [ ] XXXX  XXXX Account XXXX - [ ] XXXX XXXX & XXXX Account XXXX - [ ] XXXX  Account XXXX - [ ] XXXX/XXXX  Account XXXX - [ ] XXXX  Account XXXX Remove late payments on the following accounts - [ ] XXXX  Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] Remove the following address - [ ] PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

This company is reporting on my reports for medical that was deleted in 2012- At the time then there was no validation of debt and they resold the account to another company to try again and that was also deleted. Now here we are for a 3rd time.