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

I am writing to formally inform you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Upon reviewing my credit report, I have identified several fraudulent accounts and credit inquiries that were made without my consent. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inquiry date XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach that resulted in identity theft. As a result, several unauthorized accounts and inquiries have appeared on my credit report without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent account and inquiries from my credit report : Fraudulent Account : 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
Product: Student loan

I received a letter stating I had until XXXX/XXXX/XXXX to resubmit my information for XXXX through XXXX. I lost my job last year and have been doing contract work since and created my own XXXX as a XXXX, so I had questions as to how to report my current income given I do not even make half of what I made last year. I called customer service and submitted exactly what they told me to submit on XXXX/XXXX/XXXX. I faxed the documents as well as sent them in the mail on XXXX/XXXX/XXXX. I received a letter stating more information was required and my bank documents were not enough as I was previously told. I immediately sent in what the next person told me to send in which was a letterhead from my XXXX stating this was my business that I own and I pay myself. 
I received a denial. I called and was told this was because I stated " sole proprietor '' and not business owner on the letter. I asked exactly what does the letter need to state because I could not afford the payments of almost $ 1600/month when I am a XXXX mother and only bring home about $ 3500- {$4000.00} a month. I was then given an amount of $ XXXX. I questioned this as this was more than the 15 % I was told my payment would be. I called again and emailed. I was told I was denied again and my payments would be based on my income from XXXX when I made almost three times the amount I do now. 
I called and spoke to another representative. XXXX now told me I had to resubmit my application entirely in order for them to recalculate their mistake. As soon as I did, XXXX stated my application was now late and added {$20000.00} to my balance. They finally fixed the calculation after weeks of phone calls and begging for someone to listen to me. 
XXXX finally calculated my payments correctly based on this years income and not my previous job from which I was laid off, but not before demanding one inflated payment due right before XXXX. I am a XXXX mother of XXXX children and I have only made {$900.00} this month due to insurance company delayed payments from the patients I see. I XXXX XXXX XXXX XXXX XXXX and that business has died because I XXXX XXXX XXXX XXXX in which no one knows what is happening to that any longer. There is no way I can skip paying my electric and house payment in order to pay a loan payment that never should have been calculated so high to begin with. The calls are recorded and they have proof I did exactly what I was told to do by them. 
Each representative told me something else. They made the mistake and are now trying to exploit money out of it. They are holding my credit hostage too. I have good credit and now it will be ruined because I literally can not make the inflated payment they are demanding due to their miscalculation.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am not aware of this, and the company acted without my AUTHORIZATION.
Product: Debt collection

Hello, My reason for this compliant is to report a scam by FMA Alliance, LTD who claims to be a debt collector for XXXX. 

Some back history -- In XXXX I had lost my job and fell behind on some payments with XXXX. At the end of XXXX, I was able to repay my late payments in full and my account with XXXX is up to date, and in good standing. 

Today XXXX/XXXX/XXXX I received a letter from FMA Alliance LTD located at XXXX XXXX XXXX, XXXX TX XXXX, XXXX, stating I owed XXXX a balance of {$88.00}. Surprised to see this letter, I called FMA to get more information about the debt. I called and spoke to a customer service rep who had very detailed information about what I had purchased ( but had a hard time reading basic English off a screen -- side note ), and was given very specific information about what I items I had purchased ( all of which was correct ). 

Feeling even more concerned, I decided to, call XXXX directly to confirm if I had any outstanding balance. I spoke to a customer service rep by the name of XXXX, who informed me of the following : 1. My account was in good standing. 
2. They do n't use this company as a debt collector -- they use XXXX. 
3. I should report this as a scam immediately. 
4. Check my credit report. 

Therefore, I did not pay this bill, but in turn am filing a complaint against FMA Alliance LTD so others do n't fall victim to this horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is still not resolved after how many months..Their investigation did not fix XXXX   XXXX They said they have verified it but did not give me details on how their investigation went.. They only sent me a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided proof many times that I was out of the country and an unknown third party took out many accounts in my name without my knowledge or consent. Despite this, Midland Credit Management illegally posted an old account that does not belong to me on my credit again to attempt to extort money from me.
Product: Credit card or prepaid card

On XX/XX/XXXX was my birthday. My daughter gave me a {$100.00}. Visa gift card. I saved the card in the original package to used by XXXX. When I opened and tendered to pay for a gift the card was rejected, because had no funds. I call XXXX gift card at the number that was included in the package. After a few long innecesary wait I was told that by a XXXX employee that somebody had used the card online and take the money. They sugested to call the vendors to see if they refund me the money or start an investigation that last 90 days. I think that if XXXX put their reputation behind a product they have to have some kind of security for the consumer. I want them to immediately refund my money. The card number is XXXX XXXX XXXX XXXX exp XX/XX/XXXX XXXX
Product: Checking or savings account

It has been over five years and Wells Fargo Company its not letting me open a bank account. I mean to open a bank account and then close it two days later is the most petty thing a bank could do and unprofessional they legitimately deserve to be sued I was told specifically by XXXX XXXX and XXXX that I would be able to open a bank account after five years and I was and did and put in money and now theyre closing for no apparent reason and no explanation. Its probably due to bank relationships and the fact that they dont wan na let me have another bank account because of something that happened five years ago.
Product: Mortgage

I'm XXXX and I'm struggling to make my Mortgage payments. I conducted research on what can be done regarding payment assistance. TIAA Bank has payment assistance listed on their website. In late XX/XX/XXXX, I decided to submit a payment assistance request from the bank. I filled out the Bank 's payment Assistance Form 710. Within a few business days, I was sent a loan modification packet. I filled out and notarized the packet and sent it back to TIAA Bank, In the packet, I would have to pay four ( 4 ) trial payments starting in XX/XX/XXXX. 

I called the bank regarding the XXXX Payment and was told to qualify for the trial payments, I'd have to make the XXXX Mortgage Payment. Later that month in XXXX, I was informed I wasn't supposed to make that payment. I proceeded to contact the manager who corrected the error and applied my XXXX Payment to XXXX 's trial payment and partially to the XXXX Payment. 

The Trial Payment Period ended this month in XXXX. Now I receive the final loan modification documents from the bank and its completely unfavorable to me. The bank is deferring a portion of the balanced owed on the outstanding Mortgage balance. The balance I owe is {$160000.00} and the amount being deferred is approximately {$19000.00}. The remaining balance is {$140000.00}, but the deferred amount is still due after the {$140000.00} is paid. The interest rate is the same at 4.625 %. The only thing the bank is offering is to extend the mortgage to a 40-year loan as opposed to the fixed 30-year loan. I'm also being informed there an escrow account shortage of {$1200.00}. I was never informed of this shortage during this entire process. The bank is allowing me to " spread '' the escrow over 60 months resulting in a higher modified mortgage amount.

I feel like Im being penalized for requesting a loan modification. With a 40-year loan, Ill pay an additional {$130000.00} for a house thats still underwater since the housing bubble burst in XXXX, just to get a loan reduction amount of {$190.00} per month. This is a complete outrage! Its deplorable, disgraceful, and unacceptable to manipulate and exploit XXXX people who are asking for payment assistance with their Mortgage, so they can stay in the house. If I dont sign the loan modification document and have it notarized, I have to pay {$3400.00} to the bank just to be current. The whole point of asking for payment assistance was to lessen the burden of making my mortgage payments, not to penalize me for making the request. Thats whats happening here. I have no choice but to sign this document. What payment assistance is this bank offering? Absolutely none. In fact, all this bank has done is to increase my financial burden on a property still about {$50000.00} underwater.
Product: Debt collection

I have received epeated callsto my cell phone number at all times during the day stating that we are owing money. We have checked and we are not behind in payment nor does our credit report such activity. It is a different voice but same phone number. I am leary of speaking with them for fear that they will spam or phish us. I checked the phone number online and found that this is a company on the east coast that has been reported to conduct such activities in the past. It is costing me in minutes on my cell phone plan.
Product: Debt collection

in XXXX I attempted to purchase a car from XXXX XXXX XXXX XXXX Colorado. I had a XXXX that I had paid off and owned entirely. 

The dealer then set up the paperwork for a ford van, trading my car in as collateral. 

After driving the van we discovered that it was previously damaged from an accident. 

This is where things get weird. 

Before we returned the van [ about 3 days ] they sold my car. I was then forced to buy a more expensive car, a XXXX XXXX. 

Shortly after taking possession of the vehicle, XXXX XXXX XXXX began not posting our payments, then became threatening. 

As I am a XXXX veteran and a negotiable person, I agreed to return the car back to the dealership completely undamaged [ which we did ] and left the keys inside the dealership. 

In XXXX XXXX we left the US for 24 months. 

XXXX XXXX XXXX wrote off the contract as I returned the vehicle undamaged. 

Then- out of nowhere comes a case filed in court against us for the entire cost of the vehicle by some party not affiliated with XXXX XXXX . 
We responded to the subpoena in writing mailed certified return receipt to the XXXX XXXX XXXX XXXX. 

The certified mailed return receipt response was properly addressed and mailed within the required time to respond. 

Several weeks later, we received the same mailed certified returned receipt response [ unopened ] and refused by the judge- A judge XXXX . 

That same judge then issued a summary judgement that did n't exist against me for some XXXX k. 

The total price of the car, a car we did not have as we returned it to the dealership as agreed with XXXX XXXX XXXX. 

In other words, a debt not real, or valid. 

The debt was sold to a collections firm in XXXX Colorado [ Machol & Johannes ] that is not affiliated with BBB, and suspect for illegal collection practices. 

They have upped the amount to nearly XXXX for debt I simply do not owe due to the judge refusing to open my mailed certified return receipt response and to review the fact that I had returned the car to the dealership undamaged as agreed with XXXX XXXX XXXX 

Someone has repeatedly vandalized our only vehicle-a XXXX XXXX XXXX XXXX, rendering it inoperable. We believe that this may be the work of the collection firm. So I am out of any vehicle now. Its XXXX. 

That XXXX collection firm that bought the debt is still trying to collect on a debt that never existed. 

I am tired of this constant illegality which began with a bait and switch by the XXXX dealer by the sale of the only car we owned [ the XXXX ], forcing me to purchase a much more expensive vehicle than I had intended-along with the harassment by XXXX XXXX XXXX which resulted I our returning the vehicle to the dealer undamaged- then the selling of the debt to a collection firm that is questionable in its business practices, Recently, I have noticed that a XXXX XXXX XXXX out of Ohio has been querying my credit record. 

It seems no one has done anything to look into these illegal business practices
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX paid off my car with Autotrakk. Information was sent and check was signed for on the XXXX of XXXX. My vehicle has been disabled by Autotrakk on the XXXX of XXXX and on XXXX XXXX.this has prohibited me from getting back and forth to work. I had to leave my car at the airport when returning from vacation which cost me {$45.00}. I have had to pay {$30.00} per day just to get to work and back home. This issue with Autotrakk has been costing me money as well as mental distress.
Product: Mortgage

On XXXX XXXX 2021, XXXX XXXX sold my mortgage to Freedom Mortgage. I have not seen it recorded in the registry of deeds in XXXX XXXX PA. The deed recorder said she did not receive an assignment of mortgage. When I contacted both lenders and asked " when will they record the mortgage '' they replied with vague information and did not answer my question. I read that it should take XXXX days. And it still is not recorded. It seems suspicious that they don't want to give me an answer.
Product: Credit card or prepaid card

I used to bank with wachovia bank ; wells fargo bought them out in XXXX. My interest rate of 8 % fixed, wells fargo advised me that the terms will never change everything will just transfer over. As of XX/XX/XXXX I noticed my interest rate went up because I was paying more on my monthly payments. Then in XX/XX/XXXX my interest went up higher than normal and I decided to look into it. When I did the terms of my APR changed from fixed to variable. I contacted Wells Fargo and no one cant tell me why my rates changed and its been over a month.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing this letter to register a formal complaint against Vio Bank ( a division of MidFirst Bank ). I have applied online for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and received an automatic denial to open this account. When I contacted Vio Banks customer service at XXXX, I was informed that they could not tell me the reason why my application to open a savings account was denied. I have excellent credit and banking history and large account balances in my current banks, so there is no legitimate financial reason to deny my application because I am not a high-risk customer. 
Furthermore, the bank refused to give me a reason why they denied my application for this account. So basically, I received a denial without any reason for this denial. I believe that this denial decision by Vio Bank was based on illegal discriminating against a XXXX XXXX XXXX XXXX XXXX XXXX XXXX like myself. 
Please investigate this situation for the following reasons : 1 ) The bank needs to provide a reason for a denial to open a savings account. They stated that they do not have a reason for this denial. If this decision was based on any financial factors such as XXXX they need to issue an adverse action notice and let me know the reason for this denial. 
2 ) I believe this was a case of illegal discrimination against a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
3 ) I have an excellent credit and XXXX banking history, high account balances with other banks, and I never bounced a single check in my life. 
So I believe that Vio bank had to make their denial decision due to illegal discrimination based on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please let me know if you have any additional questions. I can be reached at XXXX XXXX XXXX I believe Vio Bank denied me because of illegal discrimination against me and this situation has to be addressed. 

Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these items. It is unacceptable to report these items as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXX Balance Owed : {$2500.00} DEPTEDXXXX XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$140.00} XXXX XXXX  Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I was alerted through my XXXX account on XX/XX/21 of a {$3000.00} ACH Transfer that occurred via my Bank of America Credit Card on XX/XX/21. I contacted Bank of America 's fraud services on XX/XX/21 to understand what the charge was and to dispute it. the woman I spoke with was unsure what the charge was, but said she would open a fraud investigation and someone would call me back in 48-72 hours. When I did not hear back from Bank of America, I called them again on XX/XX/21 to find out what the status was. After being transferred to several departments, I spoke to a gentleman that told me someone impersonating me had called Bank of America and asked for a partial refund that I had made when paying off my monthly credit card statement. When I told him that was not me and that I wanted more details on how that would happen, he said that he did not see an active investigation opened and that he would open one for me. He also asked me why my credit card was not closed and a new one issues when I called on XX/XX/21, but I didn't know the answer to that. He then closed that account, re-issued a card, and told me that someone would be in touch in 1-2 weeks. I called Bank of America again on XX/XX/21 and the woman on the phone told me that she did not have an update, but she would check with her manager on next steps. Once she connected with her Manager, she came back on the line and told me that Bank of America would only follow up with me via mail and I should expect that in 10 business days from the day my inquiry was opened ( which they state was XX/XX/21 even though I originally called on XX/XX/21 ). As of today, XX/XX/21, I still have not received any calls back from Bank of America, I have not received a letter in the mail, nor has the money been credited back to my account. I would like this resolved Immediately as this has been dragged on for too long and Bank of America doesn't show any compassion with my case.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I contacted someone through XXXX about XXXX basketball tickets, 4 for {$200.00}. Somehow money was taken out of my Chase bank account through XXXX and sent to this person. Then, I never received tickets.