23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My extremely sensitive personal data appears to have been stolen in the Ransomware attack on Loan Depot that happened recently. I only know this because Loan Depot sent me a piece of mail about it offering credit monitoring. I am not doing this. However, my mortgage is serviced by XXXX XXXX and has been for over years now. I don't know how or why Loan Depot even got my information to steal, since in my records they have never serviced my loan. I suspect that they got my data through the secondary mortgage market or through a mortgage-backed-security ( MBS. ) This has never been disclosed to me, yet my data has been sold by 4 other mortgage companies since I originated my loan. I am extremely unhappy that my data can be accessed by third parties without any disclosure, opening myself and many others to unauthorized and malicious activity. The fact that we have no recourse and these companies get no punishment is unsatisfactory. We need better privacy protections and we need to especially protect our citizens when it comes to the extremely sensitive data that is bundled into mortgage financing. How can we prevent this from happening and being revictimized repeatedly? In the last year I have had my social security number, email, phone, and other information stolen at least 4 times and all I ever get in return is an offer for free credit monitoring. Not good enough. And this Loan Depot one has me upset more than the others because I didn't even know they had my information because it has never been disclosed to me! 
Also, this company is using my previous name that was changed in XXXX so I have no idea how long they have been storing my information. My first mortgage was issued in XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing this collection because I have never had an account with the company. This account that is in question listed under XXXX XXXX XXXX. account number XXXX with a balance of {$2500.00} and an open date of XX/XX/year> does not belong to to me. The erroneous reporting is a direct result of identity theft caused by a data breach that I was exposed in.The legal basis for my dispute under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. and 1681c-2 ), I have the right to dispute and request the immediate removal of any information resulting from identity theft. This section of the law also mandates that credit agencies block all fraudulent accounts from appearing on my consumers report upon receiving proper documentation.The FCRA explicitly states that once a credit agency ( TransUnion ) has been notified of an account resulting from identity theft, it must take action to block or remove fraudulent accounts the information within 4 business days. Please send correspondence to my email XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach that compromised my information, but did not notify me or provide any adequate solutions. I found out through media reporting, and it is unfair that they have compromised such sensitive information with no compromise other than to create another account with them with no reassurance whatsoever.
Product: Checking or savings account

Following unauthorized charges to my Chase XXXX XXXX XXXX by scammers : XXXX. XXXX XXXX XXXX WA XX/XX/XXXX- {$14.00} XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$11.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX- {$11.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX- {$5.00} On XXXX XXXX noticed that the account balance has gone below {$2000.00}. While looking into what happened found out these unknown charges. This Debit Card was never been used in last 4 years. Always stored at a secured locked place. 

Reported it online and called the Chase fraud number. They refunded only {$5.00} for item # XXXX but refused to return other transactions. I called the merchant at the XXXX number listed above. It appeared to be an XXXX support center. Provided the transaction number and last XXXX digits of the debit card but they could not find any of the transactions on their records. They also mentioned that the transaction number format for item # XXXX does not match their format. 

Later while doing online search learnt that this XXXX number is not XXXX. It is a scammer pretending to be XXXX. Checked with XXXX through online chat support and their XXXX customer support number and aslo called XXXX fraud number. Both XXXX and XXXX have no records of this merchant at XXXX number or these transactions. I reported this to Chase. Visited local branch, talked to Chase escalation department and also customer support through secure email. So far they have refused to honor the XXXX day Zero Liability agreement and refund the money for XX/XX/XXXX and XXXX. Also refused provide any further details : XXXX. How was the debit card information leaked and used? 
XXXX Who is the merchant since XXXX XXXX in the transaction denies those charges? 
XXXX. Why did Chase fail to detect these frauds? Simple search on the internet shows these frauds have been going on at least since XXXX. 
XXXX. Why can't Chase work with XXXX to reverse these charges occurred in XXXX? 

No answer received and no refund for the XXXX transactions on XXXX which was reported on XX/XX/XXXX, well within the XXXX days as per the XXXX liability agreement. The issue is I am not the only XXXX. Maybe thousands or could be millions have been the victims of this scam. Reporting this to ensure that Chase should stop blaming customers for its failures to protect the data and money. Justice should be served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times that Equifax remove all remarks from my XXXX XXXX account opened in XXXX. The remark is the following " Account previously in dispute - Now resolved by data furnisher ''. They removed it from the current account comments, but it is still in the accounts historical information and I have requested that it be removed there as well. 

I have also requested numerous times that Equifax delete my consumer statement from my credit file that was added on XX/XX/XXXX. The consumer statement says the following " PLEASE REMOVE REMARKS FROM MY XXXX ACCOUNT STATING " CONSUMER DISPUTES THIS ACCOUNT INFORMATION ''. Equifax has told me numerous times it has already been removed, but in fact it has not.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I inadvently sent a payment in the amount of {$1500.00} by my bill pay from XXXX XXXX XXXX to a Chase account that was closed. It was suppose to go to XXXX XXXX account that ended in XXXX. I previously had that account on auto pay with Chase and thought I cancelled the auto pay but instead they deducted {$1700.00} from my bank account to pay in full. That was fine, but when I saw the additional {$1500.00} ( which caused me to be overdrawn ) I immediately contacted Chase and XXXX XXXX XXXX to figure out what happen. 
Chase took it upon themselves to apply it to another account ending in XXXX that is paid monthly and in good standing and apply my {$1500.00} to it. I was on vacation and then stuck there due to Hurricane Irma,  however Chase assured me my money would be returned to me within 5-7 business days. I did not want them to apply it to that account ending in XXXX. That date was on XXXX/XXXX/XXXX and I still have not received my money. I asked for an email to that effect and promised I would get one but never received. I have called after waiting several weeks a few times to advise that my money is neither in my bank account or returned to me by check. They keep telling me they do not know why my money has not been returned and will be looked into and returned, it still has not I think a month is long enough. Here we are at XXXX/XXXX/XXXX and nothing, no money, no letter, no email. 
While I am here on this site I also would like to discuss another issue, in XXXX of this year I applied for the XXXX XXXX Chase card while trying to book a flight with promises of a {$50.00}  rebate off the fare when you click here. I was approved, but no confirmed flight or rebate off ticket. I called XXXX no confirmation and then Chase they told me I did something wrong and if I write and explain they would give me a {$50.00} credit after I get receive my credit card and book the flight. I wrote to them as instructed with my confirmation number, they wrote telling me they would not give me the {$50.00} credit as I did not have that promotion. I chalked it up to me doing something incorrectly ( which I did not think I did ) to create me not getting the {$50.00}. However, my sister who lives in another state who obviously used another computer recently ( XXXX XXXX, XXXX ) did the same thing with XXXX and Chase had the same exact experience she was approved but nowhere did it give her the flight or the {$250.00} off her fare. She knew nothing of my experience until she told me what happen to her. We both have jobs and work on computers all day long. She also called XXXX they told her she had no flights and Chase also told her she did something wrong. I think this is a scam now that she experienced the same thing. I think it is definitley worth mentioning. However, she did cancel the card as she was very upset. I wish someone would look into this I wonder how many people get stung?
Product: Debt collection

This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " not gon na happen '' The original debt was actually paid off and they sold nothing but the interest of that debt. This turns into predatorial and then also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over 5k which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

STATUS DETAILS : Submitted on XX/XX/2022 File number XXXX Estimated completion date XX/XX/2022 ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The " Account in Dispute '' remark is missing or incorrect. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In violation of FDCPA investigation time lines beyond 45 days. 

Needs to be removed from all credit reports as they failed to supply my disputed information within the time lines
Product: Mortgage

I have been trying to remove the private mortgage insurance ( PMI ) from my FHA mortgage account. 
One, my online account states PMI is not a feature of my loan. 
Two, my previous attempt they told me I was not 78 % and not eligible to remove it. However, according to my calculations it was. So I waited some time. 
Second attempt, now the that debt has decreased, I tried again and I was seemingly given the run-a-around for 3 weeks. Being told my LTV was at 79 % and they would likely push it through and to wait for my final letter on XX/XX/2020. The final letter never came, so I called back around the 15th to be told it was denied. The representative couldn't provide any information so he transferred me to a supervisor who also couldn't provide any information because the department that handles it does not speak with borrowers. They can only submit the requests on my behalf. Furthermore, I am unable to see the requests they are submitting. 
The currently home value according to my lender is {$230000.00}. Everywhere else my current home value is $ XXXX. However, even using their under valued amount, I owe {$170.00}, XXXX which would place my LTV at 74 % and eligible to remove the PMI. Since I am unable to talk to the department, submit requests on my own, see the requests or even see the PMI status on my loan via the online account ... this was my only option. I'm not sure where to go from here.
Product: Checking or savings account

Spent hours on the phone, multiple calls, multiple attempts requesting to close my savings account due to poor customer service and company refused to close my account.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

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

There's really no way I can reach anyone at this particular company simply because all options are vague and without having access to an account I can't get into and never made, that's the biggest issue here. You need an account to contact someone and yet there's an existing account opened under my social security number and everything that I myself had no knowledge of. No emails or clear phone numbers to contact fraudulent activity. I tried to make an account recently and was told by the website that there was an account already existing with my social security number. An account I don't have access to/ never had access to by the way. 

My problem with Credit Karma right now is that there's an existing account opened I can't get into. So, someone opened an account under my name using my social.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} ; XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX  XXXX Balance {$780.00} ; XXXX XXXX  XXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX Balance {$4400.00} ; XXXX  XXXX XXXX XXXX XXXX : {$4200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dozens of XXXX letters requesting inquiry removal off my account because most of them are not done by myself from years ago being a victim of identity theft, well instead of removing said items Experian adds a security freeze to my account instead, well I call in and ask why it was added and behold nobody knows why this was done, and it is only on my Experian report. Well, I send in more letters, and they respond back that they will not remove anything from my report, but my million dollar question is why I am seeing and personally know some people who made one phone call and didn't have to send in anything at all and got every single inquiry removed off their report with no issues, but instead of responding to my request they just add a security freeze to my account and then have no record of doing so and not wanting to budge either or follow suite with the removal of unauthorized inquires saying I have to contact each individual company, do you know how many stamps that is going to take?! I sat in a room with someone who made one single phone call to Experian and had 51 inquiries removed in less than 15 minutes and then I send it letters after letters and call after call and nothing, stamps are not cheap at all, and they are not wanting to cooperate at all, but will for others, this is absolutely not fair at all! Answers please?!
Product: Money transfer, virtual currency, or money service

I had an issue with Coinbase about XXXX, 2017. I received an email from them and when I opened it in my internet browser the login and password fields were populated with my login and password. I thought the problem was theirs so I called and put in a support claim. They immediately deactivated my account for security reasons. I subsequently realized that it was my internet browser that populated those fields in their email. I contacted them, explained the problem and how I felt it happened and was fairly sure the problem was on my end. I readjusted my browser settings immediately. It has now been more than six weeks and they still have not reactivated my account. After several calls and emails I still receive no indication they are addressing the problem. I ca n't log into my account. I do n't even know what the balance is. Their customer support hotline would not even connect you with someone to talk to. It just told you to try again later and then disconnected you. I would appreciate your hellp.
Product: Vehicle loan or lease

I was in tbe hospital in XXXX was very sick for 4 months. D Still recovering. So gave car back since i lost my home. And income whilr severly sick.i only missed 2 payments the can resell the the.id like my credit fixed.
Product: Debt collection

Portfolio Recovery has called me non stop back to back from several phone numbers and cities. Ive called them in XXXX to see if the debt for XXXX XXXX could be settled and they said its nothing they could do. Ive been unemployed since 2015 I have a son with special needs and have been trying to catch up on bills that are affecting my credit and ruining my chances of getting on my feet. My family has been helping me and was going to help me settle with them to stop the excessive calls. They were not willing to settle and now Im being sued and have to go to court. I was Served earlier this week and the calls have yet to stop. Can you please help me from being continuously harassed by multiple phone calls and their lack of professionalism.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX XXXX reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Experian, XXXX XXXX and XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the accounts listed below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX AND XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I using XXXX XXXX XXXX XXXX in XXXX XXXX i I have membership with I formed them that I moving to XXXX and I asked them to change my card on file for cancellation fee and and I didnt if change me or not but 2 years now the report that have paid for something I didnt use .and I tell them that I am no longer living in XXXX XXXX