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 XXXX XXXXata 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 XXXX XXXX XXXX XXXX XXXX, 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. 
XXXX XXXX ( XXXX ), XXXX5 U.S.C. 6801 et seq. 


XXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Ally 2 times trying to getting a letter or form saying that I was cancelling a dispute I had put months ago almost a year. I need proof that the dispute is being removed or cancelled and no one could help me. I am trying to buy a house and I cant having that dispute under me. I was told to wait 45 days I cant wait 45 days. And when I called again they told me there was nothing they could do to call the credit bureaus.
Product: Mortgage

Update to my prior complaint ( XXXX ) - company has still not responded. I was able to determine my payment will rise when my next property tax disbursement is made in XXXX. My prior payment was {$1800.00}, my new payment is {$1600.00}, now my payment will be {$2100.00} unless I pay {$3100.00} in which case my new payment will be {$1900.00}. Pretty clear isn't it? I spent an additional XXXX XXXX on the phone today trying to make heads or tails of this, but still no definitive answer. My property taxes have not changed, my insurance has not changed, the only change is with this mortgage servicer. 

Additionally, my property insurance is information is not listed on their website, instead it states : " Your information is outdated and/or we are missing your insurance information. Please update your information. Please note Lender Placed insurance XXXX be effective soon. '' Additionally, a payment from my escrow was made in XXXX for {$3100.00}, which also led to an " escrow advance '' of {$1000.00}. My property tax disbursement should have been {$2800.00} and change. If there is a penalty it should be due and paid by LoanCare, since I had plenty of funds in escrow prior to them sending me {$5300.00} as a refund of overpayment. 

This company should not be allowed to purchase large numbers of existing loans unless it can demonstrate it has the infrastructure in place to transition those accounts seamlessly. It has shown a lack of concern for me and other similarly situated. I am concerned as to how this is going to impact the thousands and thousands of other borrowers whose accounts were purchased by Loancare. I'm sure I'm far from unique. 

If other consumers received large checks from their mortgage company, they might have assumed these funds were due to them and spent the money. It is quite concerning and will likely lead to defaults and foreclosures. At the very least, their payments will rise considerably when it is time to pay their tax installments. 

This problem is much bigger then me. Something needs to be done right away.
Product: Checking or savings account

I have not received my XXXX $ of my Direct Deposit its been 2 days and Capital one has not sent me any emails phone call to let me know what is going on with my money.
Product: Credit card

I am consolidating my debt. I understand my debt is my responsibility and am not looking to blame anyone. I called Capital One where my interest is 18 % and I have XXXX dollar balance. I pay over XXXX dollars a month in interest. All I did was ask for a reduction in my APR. I was given a supervisor that claimed she was the highest level and would not give me anyone else to speak with. She even stated her supervisor would does not even get on the phone w consumers!! I am a XXXX, my XXXX has spoken to patients with complaints. I am shocked that my account is in good standing, I pay XXXX a month on time every month, which XXXX goes to interest. I was just asking for a reduction for 12 months to save money. I am very disappointed as XXXX reduced my rate by 1/2 for one year and saved me 1/2 my interest.
Product: Debt collection

I received several letters and invoices from XXXX XXXX stating that I owe {$3200.00} and that they illegally brought debt from capital one. I sent capital one and XXXX XXXX numerous letters letting them know that the debt does not belong to me. Capital one sent me a letter stating that " they sold my debt to XXXX XXXX and that i should communicate with them '' even after i told capital one " why would they sell debt to XXXX without my knowledge and without investigating if the debt belongs to me or not?. This is wrong and several violations. This debt does not belong to me. I let XXXX and capital one know that i never opened up an account in XXXX  with Capital one. and that this is a mistake in identity theft but XXXX XXXX keeps sending me letters in the mail with payment history stating this is me and i have told them it is not. I also told them that i am aware that capital one had a major data breach in XXXX that affected millions of Americans and that this could be a result of that and pXXXX XXXX keeps harassing me about the same thing over and over again. I also let XXXX XXXX know that I am aware and that I have done my research on them and that " they have been sued many times from people all over due to lack of proof and for harassing people without finding out if the debt really belongs to the person. XXXX XXXX has been sending me countless things in the mail even though i have sent them numerous letters stating this debt doesnt belong to me. This is harassment,
Product: Credit card

I have notified Chase in 2014 making them aware that an account was fraudulent and submitted the fraud form to them- they closed the account but is yet to remove it from my credit report upon multiple requests and I am now being denied mortgages due to Chase XXXX incompetence. I have filed a police report, FCC Complaint and they will not remove due to an alleged application they have from me. I told them I have never signed an application and I can not get them to remove the account.
Product: Credit reporting or other personal consumer reports

XXXX I started getting pre approval letters for loans and credit cards at the time late XXXX I maybe applied for 4 credit cards and 2 loans then took a break due to no getting the guaranteed approval!

But they kept sending the XXXX or posting them on my credit karma account by XXXX I could really have used just one of the offers but instead my score dropped even more. My family and I all use credit karma so its even worse because it was like they just sunk hole ship. Seeing my family and I losing cars houses the cloths on our backs horrible to find out its always been a scam a lie theft of my life!! My familys lifes XXXX animals elderly!!! Physically hurt my family from stress XXXX, XXXX pain, lack of food shelter. My parents cant even look at their own credit anymore.
Product: Student loan

When I began school I received a student loan from Sallie Mae which is now Navient. 
I was told that my loan could be consolidated and I would not have to pay until I completed school. My loan was consolidated to a lower rate through then Sallie Mae. I was told that if I paid the loan amounts and was not late with any payments and remained in public service for 10 years and was never late my loan would be forgiven. I did this, I was never late and I worked and stayed in XXXX  work for over 10 years and am still working in XXXX work. I delayed retirement so that I could receive forgiveness and my balance would be forgiven, like teachers and other government workers as stated in the paperwork I received. I applied for forgiveness and was told my loan didn't qualify because it was the wrong type of loan, 15 years later. This is not right I was never told that certain types of loans and lenders would disqualify me for forgiveness. I had no knowledge in this. I understand that I am not the only one and that lawsuits have been filed regarding this fraud. I have contacted everyone I know to contact to have this issue corrected. Effective this month ( XX/XX/XXXX ) my monthly payments have tripled. I will not be able to pay this loan off and delayed retirement. The interest accumulated and now I owe 3 times as much as the original loan. There should always be a program or forgiveness when someone risks their life for the community. I am a spouse of a veteran of the XXXX and XXXX XXXX wars and have always done the right thing. Now you need to do the right thing. Retiring should always be given a reduced amount to pay. or forgiveness. I earned my education and used it for the good of the country. Stop this craziness I paid for most of my education but some of it I could not. I don't want to be punished.I don't want to be a used or ignored. I just want what is due because I followed the rules. Now you need to follow the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX TXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Product: Money transfer, virtual currency, or money service

My account has been restricted for three weeks. I called Robinhood, and they keep transferring me to different representatives, only for them to say, " Sorry, no one is available. '' I chatted with their support team, but they asked me to send an email. I have been emailing them, but they only reply automatically, saying they are working on my case. I use this money to support my family, and now I'm struggling. No one is able to explain what is going on. This is my last option before going to court
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has the count as 120 days late on XXXX, Transunion but it's showing as 150 days late on XXXX. Also on both Transunion and XXXX  the payment status shows paid but on XXXX  it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.
Product: Mortgage

Back on XX/XX/XXXX, we received notification that we could refinance with our mortgage company Freedom Mortgage. I started the application process and the agent XXXX XXXX XXXX # XXXX said it looked good. We preceeded with the proper documentation they were requesting and it was done. A month in a half goes by and no communication. So my husband decides to call her and every time she's out of the office. So I email her and she proceeds to tell me that we are denied because we have a LIEN against our home. This is all via email, no curtesy in a phone call. So I investigate and reach out to our county records to get my deed and title. I ask XXXX of there property records expert. Do we in fact have a LIEN against our home. He proceeds to tell me I do not see anything on the property. Reached out to her that she lied and that she is very unprofessional and would like her boss to either contact me or give me that information so I can talk to her boss. Yet again to no avail and no communication ever since.
Product: Payday loan, title loan, or personal loan

Wells Fargo has mismanaged this PPP process and is only funding to those who they can benefit monetarily from. I have been a customer for 5 years, run a small business that moves millions through their systems annually, have an excellent credit score and applied within the first 3 minutes of the link going " live ''. I continue to get the same email daily ( see below ), stating that I am still in " process '' which is false. This institution is crooked and should be criminally held accountable for their misdoings to their customers. I want answers please. 



Wells Fargo Online Wed XX/XX/2020 XXXX XXXX  XXXX XXXX Wells Fargo wellsfargo.com Update on the Paycheck Protection Program We are doing everything we can to help our small business customers navigate this difficult and uncertain time. In that spirit, we want to keep you updated about your application for funding through the Paycheck Protection Program ( PPP ).

Wells Fargo continues to process PPP applications. Over the past week we have mobilized hundreds of Wells Fargo employees and launched new automation and technology to enable us to process more applications at a faster rate. 

You may have heard that the U.S. Small Business Administration ( SBA ) has run out of money to fund PPP loans, and we realize this may be causing you frustration and concern. Given the magnitude of the crisis the country is facing, we are hopeful that Congress will approve additional funds for the PPP. In anticipation of additional approved funds, Wells Fargo continues to prepare customers ' PPP loan applications to be ready for submission to the SBA if and when this occurs. Of course, our ability to fund additional amounts depends on Congress continuing the program and providing additional funds for PPP loans. What this means for you We continue to prepare your PPP loan
application for submission to the SBA based on the information you provided. 

What happens next We will continue to keep you updated on the status of your application by email. 

If you haven't done so already, please complete and return to us any documentation we've already requested from you. This will ensure your application is ready to submit to the SBA, as quickly as possible, if they start accepting applications again.

Since all applications are being handled online, our phone and branch bankers unfortunately will not be able to provide updates on the status of your application. 

These are truly unprecedented times that we know are impacting both you and your business, and we will continue to partner with you throughout this crisis. 
wellsfargo.com | Security Center Please do not reply to this automated email. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unsolicited credit inquiry that I did not apply for.
Product: Credit card

On XX/XX/XXXX I went to a car dealership to purchase a car the dealership I used my Chime VISA card for the {$500.00} downpayment to the load - the dealership and finance company ( which is the same company ) did not approve the loan therefore there was no loan hench no {$500.00} downpayment. I disputed the {$500.00} as an unauthorized charge as the dealership decided they could keep {$500.00} on an unapproved loan. Chime is a financial technology ( XXXX  ) company based in California. It has partnered with TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to offer financial products. Both Chime and its partner banks are Federal Deposit Insurance Corp. ( FDIC ) member and the transaction. Chime has refused to complete its " investigation '' nor have they reached out to me with any assistance holding my {$500.00} hostage. I have called Chime NUMOROUS times and have a record of each call. Customer Service is not in the US therefore you deal with a call center in a foreign country- for banks in the US this should not be allowed as the agents have access to my banking information.
Product: Debt collection

I recieved a letter in the mail today from Scherr, Green , & Burke , Co. L.P.A. stating that unless you notify this office within 30 days after receiving this notice that the dispute of this debt or any portion of this debt thereof, this office will assume this debt is valid. All they provided me with is a name of a medical company that I never heard of a file number unknown of and amount due that is unknown of. That they would provide me with a judgement against me. They stated that if I requested with that office within 30 days after the notice they would provide me with a notice of the name and address of the original creditor if different from the current creditor. 

I tried to call got a your waiting next in line to be transfered to a recording to leave a message for someone to contact me.
Product: Credit reporting or other personal consumer reports

a few years back I disputed a marriage record on my LexisNexis report. The marriage records states that I was married XX/XX/XXXX I was XXXX XXXX XXXX, and I never lived in Florida. LexisNexis refuse to delete the record along with addresses that are pertaining to Identity theft and names that are not my name. LexisNexis feels that they can keep information on my report that does not belong to me nor is it connected to my name. LexisNexis has about 10/15 addresses on my report that where I never lived one of the addresses was a Post Office and one did not even exist in XXXX LexisNexis needs to be fully investigated. My name is XXXX XXXX XXXX not XXXX XXXX XXXX not XXXX XXXX XXXX XXXX not XXXX XXXX XXXX, and the list goes on and on.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.