23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing this complaint because I have requested many times for assistance from PFC in regards to paying my mortgage payment and the arrears debt to which PFC ( Personal Finance Center ) has not and continues to not offer any assistance at all. I approached PFC in 2018 after not paying the full amount of my mortgage payment twice which I explained to PFC that my financial situation has changed due to me being a government of XXXX retiree and I asked PFC if there is some way that they can help me due to the change in my financial situation ( I.E. adjustment to my mortgage or a payment plan to pay back the arrears debt etc. ) To which I was told there's nothing we can do for you and that you have to pay the monthly payment and the arrears debt at the same time Otherwise we will foreclose on your home to which I submitted a letter of hardship as proof that I am dealing with a difficult financial situation and I requested assistance in regards to paying my mortgage and the arrears debt yet again to which they responded they will give me a 5 month deferment and I was told that if the arrears is not paid after the five months they will foreclose on my home I have been struggling for years to pay both the mortgage and the arrears which even till now I have not received any assistance aside from the five month deferment and PFC continously tries to foreclose on my home and continues to act in bad faith i recently applied for a government mortgage assistance program called HAFP ( Homeowners Assistance Fund Program ) to which I was approved for and they were going to pay {$15000.00} to PFC to pay for the mortgage debt which PFC stated ( XX/XX/XXXX ) that they will accept the money but on XX/XX/XXXX I received a letter from their lawyer ( see attached letter ) stating that they have suspended and not applied the {$15000.00} that was given to them through the HAFP program towards my arrears debt and I was instead demanded to pay {$22000.00} in order to stop the foreclosure of my home PFC continues to offer no help or resolution till this day in regards to paying my mortgage and the arrears debt and they constantly try to foreclose on my home it seems like they are purposely trying to keep me in debt so that they can justify foreclosing on my home.
Product: Credit reporting or other personal consumer reports

The following credit card account currently listed on my Experian and XXXX credit report is lost/stolen : XXXX XXXX XXXXXXXX # : XXXX , the following hard inquiries currently listed on my Experian and XXXX credit report is fraudulent, unauthorized and not my hard inquiries : XXXX, XX/XX/XXXX  and XXXX XXXX XXXX XXXX XXXX XX/XX/
Product: Mortgage

I closed on my home on XXXX/XXXX/15 with a mortgage underwritten by Allen Tate Mortgage out of XXXX, NC. On XXXX/XXXX/15, I was contracted by Allen Tate to provide numerous pieces of information previously provided during the credit approval process prior to funding which I can provide back up for. Additionally, they want to come in my home to get more appraisal information on a closed loan 45 days later. They are saying the document I signed indicated I had to help them in any way they required but it says clerical errors and reasonable requests. The loan process is very arduous and I met all requirements and closed on my loan and now am being harassed by the lender. Additionally, it seems as though they have misplaced all the statements, pay stubs, etc in my entire file which they are asking me for again. Upon asking their Compliance Manager, XXXX XXXX where my personal data was and why he could not validate he had it, he said he was investigating further. My mortgage person at Allen XXXX, Nick XXXX will not return any calls on the matter nor tell me if I should forward the XX/XX/XXXX payment to Allen Tate Mortgage or the other company which sent me an email but has not sent me a statement. I am a XXXX year old female XXXX who saved and bought my first home and feel very strongly that this is harassment because of my gender and age as through every step of the process they have avoided my calls, repeatedly asked for additional info, charged a higher rate than originally quoted by a 1/4 point, closed the loan and now are asking for all the info previously sent 45 days after closing, this is terrible and not reasonable. Other consumers should be made aware of these poor and discriminatory business practices and do not listen to your Allen Tate real estate agent if they recommend their mortgage arm. Please help if you can and warn other females to stay away from this company! Thank you fir looking into this matter further.
Product: Mortgage

I have a mortgage with well Fargo, is an FHA loan. I took advantage of the disaster relief to perform some repair after the hurricane. Now the bank wont eliminate my PMI, saying that I had late payments, I did pay the monthly payments on time and I repaid the monthly payments for the relief time as we agree. I do not have any late payments.

I called on XX/XX/XXXX I talked with XXXX XXXX. 

I called on XX/XX/XXXX I talked with XXXX ( supervisor ), XXXX passed the case to the executive team, the case was assigned to XXXX XXXX. He said it should be resolved by XX/XX/XXXX. 

I called on XX/XX/XXXX I talked with XXXX XXXX, he said there is no resolution yet. 

I called on XX/XX/XXXX I talked with XXXX XXXX, still no resolution. 

I called on XX/XX/02 I talked with XXXX, no resolution. 

The information that Im receiving is that they are researching. They do not deny that Im right but they do not resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015, I had a vehicle I had traded into a dealership. The vehicle was paid off and the loan is reporting as a charge off on all my credit reports. I have disputed this information multiple times. Not only is this not accurate, the amount they are saying that was still owed when I traded the vehicle in, is inaccurate as well. Ive requested information from Wells Fargo multiple times asking them to show me proof that this was not paid off. They have never provided proof. Instead, continuing to report as a charge off on my credit which is causing a great deal of harm to my credit. I don't understand how these companies can report whatever they want to these credit bureaus without ever providing proof or validation. I want this inaccurate account removed from all 3 of my reports.
Product: Payday loan, title loan, or personal loan

moneylion is a investment lender.. a small loans is provided and a portion of the installment is invested back to the company and portfolio.. after unexpected hospitalization i tried to settle an cancel thinking the invested portion of the plan would cover the loan.. moneylion denied my attempt an continued to withdraw from my account ultimately causing me to close my bank account due to excessive overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, SYNCB/GAP add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Vehicle loan or lease

On XX/XX/XXXX, I leased I XXXX  Kia XXXX  from XXXX Kia, located in XXXX XXXX, NY. On XX/XX/XXXXXXXX  I brought my car in for it's XXXX mile oil change. After waiting for over 3 hours, I was told that when the technician forced a computer update, it " burned '' the computer out and the car was not driveable. I was without my vehicle for a few days. On XX/XX/XXXX, I was driving my car on the XXXX XXXX XXXX, and the car shut off without warning while I was driving it. I was able to coast to the side of the road and called XXXX  when I smelled something burning. The car was towed to XXXX Kia, then to XXXX Kia. I was told it was a faulty fuel injector. I expressed my concern for my safety and the safety of others, as well as the car being unsafe to drive. I wrote a letter to Kia corporate expressing my safety concerns. The car has given me issues ever since I owned it and has been in the shop numerous times, but because there is no " code '', I am told there is nothing wrong with car. I requested that me lease be canceled and my money to be returned. I even asked for 1 month lease payment to be waived since I was paying for a defective car that has been in the shop numerous times. On XX/XX/XXXX, I was given a waiver to sign and that I would be credited 3 car payments totalling {$1100.00}. I informed XXXX that I would not sign a waiver releasing them of any past, pressent and future issues with the car, and that my life and the lives of others are worth more than 3 car payments. I expressed that they continued to ignore my safety concerns. I stated that I am afraid to drive the car and the car is unsafe. The car continues to have issues and I am told they can't find anything wrong. 
On XX/XX/XXXX, I was driving my car into my friend 's condo complex. The car once again shut off without warning while I was driving it. The smell of gasonline was nauseating. My car once again had to be towed to XXXX Kia. I spoke to XXXX, the service manager and expressed that I am scared to drive the car and my safety and the safety of others are at risk. Should I have been on a busier road, there clearly would have been an accident. Someone would have gotten hurt or killed. I called and emailed XXXX at Kia corporate. I informed her the car once again shut off without warning while I was driving it and that something has to be done because someone is going to get hurt or killed. She stated she would esculate the case. whatever that means. Now I am having nightmares about crashing the car. I am in desperate need of your help. I am requesting a replacement vehicle at no extra charge or my down payment and all payments that have been made to be refunded. The cost of that will be much cheaper than a lawsuit for someone's injuries or death. I greatly appreciate your help with this matter. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$820000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$41000.00} XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$820000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$41000.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XXXX XXXX, XXXX
Product: Credit card

Hello, I recently discovered that some past purchases made through PayPal Credit were for illegal items, which I was unaware of at the time. XXXX and PayPal Credit have been very vague and unhelpful regarding this issue and have treated me like a criminal when I simply did not know what I was buying. Please assist me in resolving this matter.
Product: Debt collection

There are several credit disputes I have filed 103 XXXX XXXX bureaus XXXX XXXX XXXX and XXXXbreachsettlement
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US Bankruptcy XXXX XXXX XXXX TX XXXX # XXXX, have Violated My Rights.

15 U.S.C. 1681 Section 602 A states that I have a 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.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Checked my heloc balance to find a XXXX dollar Insurance fee on a loan of XXXX. This home has always and currently has updated insurance policies. One homeowner policy and an H06 policy. After reaching out to the bank, I was informed that yes that is a mistake on their part, however they must now investigate and will get back to me soon. Meanwhile my heloc balance is now XXXX more and I am currently being charged interest on this new balance. In addition my credit is being impacted as it appears as if I borrowed an additional XXXX.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$9800.00}
Product: Credit card or prepaid card

In my latest complaint to BBVA USA ( Formerly Compass Bank NA, Formerly BBVA Compass ) It has come to my attention that during their response the company  refused to assist with the Identity Theft claim, and refused to accept the Federal Trade Commission Identity Theft Affidavit, Which is a sworn affidavit testifying to accept perjury if falsely documented. This is legal Law Enforcement Affidavit, Again at the top of the Form BBVA Attached to the complaint it says you may submit this form online by visiting FTC.Gov/IdentityTheft This is what I have done, So the Affidavit I am providing BBVA USA has a legal obligation to accept, because this is the same affidavit that is sent to the police. Additionally, BBVA Responded stating they sent me an email XX/XX/XXXX requesting the affidavit be filled out and that I refused, This is a lie. Their Rep emailed me on XX/XX/XXXX and said she would have the investigation completed within 2 Weeks, I will attach a picture of the email below along with my affidavit. Additionally, I did not grant anyone permission to update the addresses on these fraudulent accounts. There is a Compass Clearpoints account, 2 BBVA Reward Credit Card accounts 2 Checkings and 2 Savings Accounts that are all FRAUDULENT. ALL FROM THE SAME IDENTITY THIEF. I have never lived at the XXXX XXXX XXXX they are providing either, so whoever they contacted at that address is not me. Lastly the Email XXXX was found on the Dark web by XXXX  being sold from Identity thieves. I have since contacted XXXX, and have changed my email address. Additionally, I do not have the account numbers for the fraud account 's the thief opened because I never received cards. I never received any calls from BBVA yet they stated they have called, Not one single call was received. I also did confirm with Client Fraud solutions that the Account 's were being reported as fraud, and they moved these to the XXXX Fraud Department. They also had me email my identity theft affidavit to the XXXX XXXX. The lady in the XXXX Department Confirmed vocally they received the identity theft affidavit and attached it to the case. Last but no least I have also sent the Affidavit VIA EMAIL to the rep working on the Fraud case in XXXX  Fraud Management, Which you will see in the email. The rep stated in the response to the complaint no Affidavit was received and that I refused. Please do not continue to lie and create false accusations in my name, under the response to the complaint. I have proof of every conversation, and that is illegal to not assist in investigating fraudulent accounts you allowed to be opened in my name illegally. The email will be attached below. I do not accept Liability for accounts that I never received, nor ever opened. BBVA Confirmed the Money market account was opened from a thief but couldn't confirm any of the other accounts were opened from a thief, even though they were all opened at the same time. That makes no sense at all. I believe BBVA just does not want to resolve the issue because they willingly didn't clear any fraud alerts and allowed these accounts to be opened. Which again are still fraudulent.
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX 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 writing 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 items 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.
Product: Credit reporting or other personal consumer reports

my Information was t was sold and bought illegally because I was a victim in Equifax Data Breach, I want my credit report deleted all names and addresses the does not agree with me address and name. Equifax has admitted the I was victim in the Data Breach and has done nothing to Please help me Delete all the Accounts that are not mine. Equifax have not even compensated me for the Data Breach and this have cause many emotional pain in my life
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX, nj XXXX I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have my permission, I have the accounts listed below. These inquiries have no permissible purpose to be on my credit report.I wish to have these inquiries deleted, due to violation of 15 USC 168 1b. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have requested my hand written signature from these companies and no one have mailed me any papperwork that i signed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX and is Retaliating against me as a XXXX XXXXXXXX XXXX XXXX and did not update my XXXX Credit Report " Payment Status '' ... The Balance only showed XXXX because you Sold it to be collected on. My Credit Reports are not showing that the Account was Paid based on the documentation provided to XXXX XXXX and XXXX. XXXX XXXX knows that the Algorithm is located in the " Payment Status '' not the Balance being XXXX only ... My XXXX Report showed a XXXX Balance last month but XXXX XXXX still did not update the " PAYMENT STATUS '' Section which is Reflected on My XXXX Report. They are still Retaliating and Discriminating and Undermining my Intelligence as a XXXX XXXX XXXX and U.S. Veteran. My Scores are still being Negatively impacted by XXXX XXXX based on how they are reporting to the XXXX Credit Bureaus ... They need to update all Credit Reports to show that the Payment Status as " Settled and Paid in Full '' I paid # XXXX on an account which as only {$2000.00} owed. but when they turned it over to XXXX XXXX XXXX, after XXXX XXXX in Bankruptcy, they still attempted to collect through XXXX & XXXX! I paid the Account, and my Credit Reports need to be updated in the " PAYMENT STATUS '' Section and NOT Only in the Balance section of the Credit Reports.