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

Re : Complaint Regarding XXXX XXXX XXXX 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. 


XXXX ( 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 ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PUT IN DISPUTES WITH COMPANY AND VERBAL AND BY FAX AND THE DEBT NEED TO BE REMOVED FROM CREDIT REPORT AS COLLECTION IS A CLASSIFIED AS FRAUDLENTLY DOESN'T BELONG TO ME. 

XXXX  XXXX XXXX XXXX-THE COLLECTION COMAPNY ORIGINAL CREDITOR-XXXX XXXX XXXX {$2500.00} REPORTED ON XXXX XXXX SUPPORTING DOCUMENTS WERE SENT FROM ORIGINAL CREDITOR ON XX/XX/20 THAT THE DEBT WAS NOT MINES AND I WANT XXXX  BURUEAU TO DELETE ASAP.
Product: Mortgage

On XX/XX/XXXX, a decision was entered in the courts of the intention of Wells Fargo Bank to auction off my property, located at XXXX XXXX XXXX XXXX XXXX NY XXXX. Since that time we have gone through the covid-19 pandemic. During this time it was an understanding that because of the financial difficulties being experienced by home owners to keep up with their mortgage payments, there would be a stop placed on forclosures. 

Again neither my lawyer or I was informed of a decision by Wells Fargo 's Legal team to pursue another foreclosure and auction of the property. This decision of foreclosure was entered in the courts on XX/XX/XXXX. I received a letter in the mail stating a determination to sell at auction on XX/XX/XXXX. 

The fact of the matter is that it was never proven in court that Wells Fargo had legal ownership of the mortgage on my property. And the court issued this decision in XXXX. The reason being the paper trail of legal acquisition of the mortgage was never proven in the court of law. Wells Fargo could not prove how they gain ownership to the mortgage on my property. 

Since then twice there was a case for foreclosure of my mortgage without my knowledge of the case filed or date of court appearance. These cases were pursued and conducted in the courts to foreclose and a second notice of intention to auction off my home has been sent to me.
Product: Credit card or prepaid card

We purchase a bed from sleep number and financed the purchase using synchrony bank. The initial purchase was for {$2900.00}. I immediate began making equal payments of {$120.00} which was the balance over 24 months. We soon learned that the payments were applied to someone elses bill and that they charged us late fees. When we called them to rectify the issue, they could not verify my husbands account as they do not have the correct birth date or las t 4 of t he social. We had the account number, billing address date of purchase, they refused to talk to us because they could not verify us. They finally called through to the store and realised there was an imput error. They were to have corrected the issue almost 2 years ago and we have been fighting with them ever since. The last payment was to have been made which it was made on  XXXX . I was able to find out that they continued to charge us late fees and assessed interest so there is still at {$470.00} balance remaining. I again called and they would not talk to me because they claim I am not on the account. They I called with my husband on the phone and they still could not verify the account and would not talk to us. I asked to speak with a supervisor and they placed us on hold for over an hour. I am not willing to make any more payments I have paid for the bed and then some.     I was able to finally speak with someone who stated that the due date on the account has always been the  XXXX  of the month. We purchased the bed on  XXXX / XXXX /  XXXX  . We were told on our paperwork that the first payment would be due on the  XXXX  of each month and I scheduled it as such via our online bank. The {$120.00} has come out for the past 24 months but somehow there is still a balance. They had me on hold for ov er 25 minutes o nly to come back on the line to state that there was nothing that could be done that we should have called in sooner. Yet when we call they will not help us because they have the wrong social and birthdate on the account and can not verify.     Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to temporarily remove a freeze I have on my credit report through Equifax. Unfortunately, an important line of credit I am trying to open will be using the report made by Equifax, and their service has repeatedly been down and I am unable to use my credit. I have been able to unfreeze from the other XXXX major credit bureaus but this one has repeatedly been unhelpful and takes my credit hostage.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX CARD XX/XX/year> XXXX CARD XX/XX/year> XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year> 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 XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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/year>
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX  Balance {$10.00} XXXX XXXX Balance {$1200.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  Inquiries : XXXX XXXX - XXXXXX/XX/year>
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 DISCOVER BANK block REPORTING 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 a personal credit card account opened at Discover Bank. I do not recognize the aforementioned account. The aforementioned account and late payments 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 # ( private case number ) 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: Mortgage

I have been trying for the past couple days to pay my mortgage online as I normally do and I can not get into my account. I keep getting an error message that says : " Problem occurred trying to validate the user credentials. Please try again. '' I have even tried several times to change my password and it still does not work. I am not going to pay for any late fees or penalties because this XXXX XXXX can't get there process right. I am due every month on the XXXX and this should not be happening going into my XXXX month. I definitely do not want my credit trash because they can not get it together. My initial steps was to complain to the CFPB. I need this issue resolved immediately or I plan to pursue legal action!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX via XXXX XXXX XXXX ran a hard credit inquiry without my permission. I have not been able to get this hard inquiry off my my credit report
Product: Student loan

I am on an income based repayment plan and I am supposed to recertify my income yearly. So I go to submit my recertification and the XXXX website is down for maintenance for several weeks. Since I did not get to turn in this recertification they quadrupled my payment which I can not afford. I tried explaining this to them to no avail. I even have a screen shot of the website showing the downtime message so they can see that I 'm not just making stuff up. I can afford my regular payment and even budgeted for an increase but XXXX my regular payment is just absurd. Also I have tried to change my due date several times, which they say on their website is an option, but my request is routinely ignored or just immediately denied without good reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed bank accounts and I had set up automatic payments. Somehow the auto payments didn't take out the first month. I didn't even know, I didn't receive anything in the mail or email. I didn't see anything on my banking show me anything different and I was hit with a 30 day late. I tried working this out with Kohls/Capital One and they did not care what the situation was. I have never been late with them before or since. This was a fluke on banking. I have since switched back to my regular bank account and wont be switching account any time soon as this was a mess.
Product: Mortgage

In a letter dated XX/XX/2018 it reads that I did not make a payment in XX/XX/2018. 
I have never missed a payment to Select Portfolio Servicing at any time and I will attach proof of payment. I have also contacted XXXX XXXX. They are immediately sending me documentation that I will forward to your company. 
I do not know why Select Portfolio Servicing would document this error and would like a correction letter send to me and my account made to reflect that I have not missed any payments to your company. 
This is a very serious matter to me and I am once again being pushed into a negative account status through errors created by a Mortgage Company ; that then tries to force negative repercussions to those errors, such as Default etc. 
I have attached payments made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 along with the receipts so there is no error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE ACCOUNTS THAT ARE NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your XXXX XXXX is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.
Product: Debt collection

I have filed a FTC report on this account and this account is still somehow being verified as accurate which it's NOT. This same account is also being reported three individual times on each report which is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Collection Account XXXX  Account To Whom It May Concern, I am writing to formally dispute a collection account listed on my credit report that is not mine. The account in question is reported as a XXXX account, which I have never opened, authorized, or had any association with. 

Additionally, I want to highlight that my personal information was compromised during the Equifax data breach, which has put me at risk of identity theft. I believe this fraudulent account may be a result of that breach.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information reported on consumer credit files is accurate, complete, and verifiable. I am requesting that you investigate this account and provide documentation proving that this account is valid and authorized by me. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX If you can not verify the accuracy and ownership of this account with proper documentation, I demand that this collection account be permanently deleted from my credit report. Reporting inaccurate or unverifiable information is a violation of the FCRA, and I expect full compliance with the law. 

Please complete your investigation and provide a written response within 30 days of receipt of this letter, as required under federal law. I also request a copy of any documentation or evidence used to verify the account, should you claim it is valid. 

Thank you for your prompt attention to this matter. I trust that you will investigate and resolve this issue quickly. 

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

In XXXX, XXXX and XX/XX/2020. I have disputed bad inaccurate on my report. I was a victim of identity theft. I even sent my identity theft affidavit information to Experian. After the results finally come back, the accounts still appear. This is hurting my score and my credit. Please do a thorough investigation and please remove these items from my report. The XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  AND XXXX XXXX ACCOUNTS.
Product: Payday loan, title loan, personal loan, or advance loan

I submitted an auto payment on my account with XXXX in XXXX of 2023. XXXX, XXXX, XXXX all came out on auto pay but they did not pull XXXX. They did not notify me in any way of a late payment and then XXXX night I see a pending charge for XXXX payments. When I called they then told me that I was not on auto pay and they had never attempted the XXXX payment and could not provide me any information on the previous payments. They continued to state that I was wrong and I had been logging in, but could provide me no information. I told them that these were fraudulent to which they told me it must have been me. 

This company is extremely hard to deal with and very unprofessional. I understand auto-pays and my responsibility to ensure they are made regardless of set up as I work for a financial institution. However, I am confident that there is an error on their end that they are not owning up to in this instance. I am upset that they refuse to provide me any documentation or information and rather just keep telling me I am wrong. 

I have requested in addition to this a copy of the payment terms that they are saying I agreed to and they are saying there is no such thing that they can provide.
Product: Credit reporting or other personal consumer reports

Please remove this inaccurate account from my credit report. I did not authorize its creation or usage. Attached are the relevant documents supporting my claim.
Product: Debt collection

barclay is reporting 0 information stating I owe XXXX. They called to harrass me after i called them to remove this information. They said we will not remove the account barclay if I dont own it I said I never had this account and I cant pay XXXX.Its ruining my credit Im trying to buy a house. How can they legally report this? Please remove it. Please
Product: Credit reporting or other personal consumer reports

My credit score dropped significantly it was listed at a XXXX after cleaning the credit and paying off student loans, car loans etc.. I filed a complaint with your organization sometime last year the credit score should be higher in the XXXX 's. Shortly after Transunion increased it to XXXX. I took advantage and applied for credit cards and was approved for XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. I used the credit and made payments on time. Within this time period my XXXX XXXX XXXX XXXX XXXX XXXX credit card increased its balance to {$2200.00} and submitted a refund in the amount of {$200.00}. I began to utilized the balance on the XXXX XXXX  and brought it over the credit the limit. However, payments were all made on time. The Transunion score drop to XXXX. I observed the score recently and paid approximately {$1700.00} to bring it up to 25 % XXXX % card usage. My Transunion credit score drop to XXXX. How fast should a credit score increase after bringing it up to 25 % XXXX % card usage? How low should the score drop if payments are made on time? I don't think Transunion is reporting my score correctly no late payments were reported.
Product: Debt collection

MCM or Midland Credit Management calls repeatedly, harassing me about this collection debt. Multiple times a day from multiple phone numbers using auto dialers
Product: Mortgage

During a property claim due to a hail storm Citizen Home Mortgage held onto funds paid by the insurance company for a very long time. I needed that money to pay contractors to make fixes that were approved by the insurance company. Citizen One Home Loans kept funds in an escrow account and delayed paying the insurance money. Due to this I had to float some of the reconstruction cost out of my own pocket. I believe the Mortgage Company does this to increase their float at my expense.
Product: Credit reporting or other personal consumer reports

I have un-authorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXXXXXX 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