23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2022 Amount Owed : XXXX Truist Bank XXXX I'm having trouble paying my mortgage due to the covid-19. I am also XXXX but I still work XXXX  XXXX XXXX XXXX. I do not want to lose my home in Texas Homeowner Assistance Fund Program and they are not returning my phone call. XXXX. I did what I was supposed to do when it was time to apply for the funding in this been 3 months and nothing ( Texas Homeowner Assistance Fund Program-Covid-19-Case:XXXX ). 
Be safe and Be Blessed, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX, XXXX CARD, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised TransUnion on several occasions that the account reporting from XXXX XXXX XX/XX/2019 is not my account and may be a result of identity theft. I have provided proof that the account does not belong to me, and TransUnion has failed to plea their case on how they where provided this inaccurate information. Please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed for my mother so she can get a car with Ford Motor Credit Company, eventually she lost the car because she stop making payments. Ford took the car and sold it but never contact me about the car, I was willing to keep paying the car but Ford never call me or send me a letter notifying me of what was going on with the car.They send me a letter after they sold the car but never before. I'm very upset I called them asking why they never called me to ask me if I was interested in continuing making payments for this car, they told me the car was sold and hang up the phone. This is affecting my credit and I don't think this is fair, you guys never count with me to sold the car even though I had my rights because I was the co signer, that was a violation of the law. I want you guys to remove the loan from my credit report otherwise I will take legal actions against Ford Motor Credit Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are inquiries that I don't recognize : XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX.
Product: Credit card

I was scammed by offshore XXXX XXXX for over about {$11000.00} and the website doesn't exist anymore XXXX I had begun my dispute processes for over 6 months now and they have only resolved 2 disputes in my favor so far with case numbers : I was also scammed by XXXX which is a XXXX software company that provided fraudulent claims about their softwares that seem to work and make money. All was fluff for sales, basically a scam. They have again resolved only 2 disputes in my favor so far with these case numbers : XXXX & XXXX. 


I was lastly scammed by a XXXX based software company that also has claimed to be the best software that trades the XXXX market for you called " POW '' All these scams are obvious and they are known, I personally had no idea but to try them all out and literally lose much more money than even the investment itself yet the credit card company ( XXXX 's credit card provider ) always resolves the disputes in the merchant 's favor even when they're common sense and obvious scams that are well known by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard hit unknown. Not i
Product: Student loan

In mid XXXX I had completed the last of 9+ {$270.00} to my collection agency of which GSMR had converted my account too. After completing this rehabilitation goal and paperwork the collection agency continued to draw payments when I subsequently cancelled. GSMR / XXXX is supposed to take the account back but to date XXXX late XXXX XXXX they have not done so. Recent news headlines give an idea as to why. This is after years of harassment from the company non-stop phone calls and physical mail. Also inconsistent credit hits when payments have been made. This company is fraudulent.
Product: Payday loan, title loan, or personal loan

I took out a loan to pay bills off and get things in a better position. I had been paying the loan and keeping it current. Then as Covid hit, I was unable to get paid. I am a real estate broker and I had spent the winter working in XXXX XXXX XXXX to make more money to pay off more debt. XXXX XXXX deal do not pay until the business can open. Supplies became short in XXXX and by XXXX, the government had flat out said that they were not allowed to open. 

I tried to speak with the reps that just wanted to yell at me to give them a date of when I would get paid, which I did not have due to Covid and nor did I have any idea of when I would be able to get paid. When they opened Covid help applications, I applied several times, having my applications deleted several times and then being told I was not eligible but no one would tell me why. 

SBA Loan and grants went into pending statues, then XXXX came active, but it was still really slow. As soon as I received my PPP I called immediately to put the account current and they had decided to charge off the account that day & refused to work out a settlement with me. By the end of the day of arguing with them to work out a plan, a rep had me set up an auto draft of payments for {$250.00} dollars a month while a settlement could get worked out. This was in XXXX. 

During that time, they failed to report I was in a payment arrangement and making payments, instead, continued to report negative on my credit. 

I have made many attempts to settle this account in exchange for them correcting the damages to my credit from Covid19 since they offer Covid help to other members. They have refused to give me their Covid requirements or tell me why I was not eligible for Covid assistance.

My most recent 3 attempts were onXX/XX/2020 - 2 via phone calls & 1 via email. I offered yesterday to pay the entire account in full in exchange for my credit to be corrected or the account to be straight removed due to their lack of Covid assistance, refusal to give me copies of the contract and refusal to give me copies of the XXXX assistance requirements & for mis-reporting to my credit from XXXX to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, my information along with my wives has been compromised. Someone has been using our credit illegally and now our credit has accounts on it that have never been associated with us or accessed by us and now we have this crazy debt. We were notified of this this week when we applied for a homeland and were told after that we had these accounts on our credit report that did not ring a bell to us. We need to please get this matter resolved as our family was in the process of home buying. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting and XXXX  account # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX - 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
Product: Debt collection

This debt originally started with XXXX XXXX XXXX in early 2018. After using high pressured tactics to buy this property, {$15000.00} was financed with XXXX and {$19000.00} financed with PayPal with no payment for 6 months. Their decision to approve this loan was based on credit score and not on income. Our agent emphasized what a great investment this property in XXXX XXXX was for us as well as my children. My husband and I went home and after processing and mentally rethinking, I called the agent on several occasions about the upcoming debt with PayPal to discuss selling this property or give us any advice he could provide since he had given me his personal cell phone number in case I had any questions or concerns. He never returned my calls. I even attended a third free holiday weekend in search of our agent and to my surprise was informed that he no longer worked for XXXX. I mentioned that had read about several law suits pending against XXXX, his reply was what is a few law suits against a company as big as ours. That alone led me to believe that XXXX nor PayPal did not have the consumer 's best interest but only in making the sale. They introduced me to another agent who also tried to high pressured me into upgrading even more. After numerous attempts of coercing me into upgrading, the agent walked off stating that I was wasting her time. I left in total disgust. I started receiving PayPal delinquent notices, then telephone calls and notices from XXXX XXXX XXXX. XXXX., a debt collection agency, Synchrony Bank , and XXXX XXXX In XX/XX/2018 I refinanced my home to payoff all outstanding debt on the credit report only to find out PayPal was not listed. XXXX was paid in full with the exception of outstanding maintenance fees. I hired XXXX XXXX in XXXX and obtained a deed in lieu of foreclosure. XXXX stated that they did not work with third parties therefore, could not help me with PayPal. My dispute is how am I still owing for a property that I was highly pressured and coerced into signing and never used or visited said property? At about the same time I received a title from XXXX XXXX with a deed of Trust, PayPal and the other collection agencies listed above have not reported this loan to the three credit bureaus and it has never reflected on my credit report. I have an excellent credit rating and worked very hard to keep it this way.I am attaching documents that should be useful, as of this date, XX/XX/XXXX I have yet to hear or receive any collection calls or notices.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requiring to review Fraudulent accounts in credit report which I found out recently. All of these accounts were opened not by me and without my permission, without any signature. Please remove them as soon as you can because they are destroying my credit history. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

About a week ago, I was eligible to refinance my loan, I had additional questions for the manager of the lending company underwriting staff contacted me and told me that she would have the manager to call me when he gets in. The manager never contacted me to date. 

When a representative contacts me from BMG Money, it is never the manager. It is always someone from the underwriting department. 
Also, the company failed to communicate clearly new policy changes as it relates to the net pay amount in order to be eligible for refinance. 
Each time that I am eligible for a refinance, it appears to be a change in policy. This has happened twice, always during refinance, or coupled with their multiple attempts to deter me from speaking to the manager of the company. When I do receive a phone call, it is at closing and never the manager. 

The last four months it has been very difficult making contact with the company and manager regarding serious concerns or matters pertaining to my loan. 

My most serious concern is that I never know that there is a change in policy until it is time for me to refinance. That is a red flag.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Product: Credit card or prepaid card

I was rebuilding my credit, until my card was restricted. And the the credit company and bank account wouldn't accept the payment. Just after making a large payment. The account went excessively over as if they wouldn't let me access my own name.
Product: Credit card

I reached out to their customer service dept XXXX in reference to order XXXX. I never received the order, the carrier just left it outside my apartment complex. I checked with the complex manager, they didn't take it, so I told them that it was stolen. I have been emailing them since then, you can't speak to anyone over the phone about it and they have been ignoring me for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX Equifax mortgage XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the 10 payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. Equifax should pay major restitution for ruining lives. Please, please help!
Product: Credit card

I 've realized that credit card debt has caught up with me. I am not a big spender but have been paying interest rates that seem to cancel out my regular payments. I have been with Wells Fargo for eight years and the card with one of the highest interest rates I have is theirs. I went to the bank to discuss a low interest loan to help pay it off ( they were advertising a low interest loan ). They chatted me around the block and it is now almost two week and I have not heard anything back about approval. I am now sure that I am not approved. They have taken a ton of money from me on that card and consider me a valued customer ... I guess except when I no longer want to be a cash cow for them. I realize this is my error but one would expect better treatment from a company I have had a long relationship with. Can anything be done? I was not able to upload documents on this site. I can tell you that, although I 've used this card infrequently, the interest in 2015 alone is {$720.00} and counting.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2023 I saw I had a credit inquiry with security finance that I didnt authorize to pull credit. I have used them in past. I called them and they said they pulled my credit to get my information and there allowed to do it
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX Consumer Financial Protection Bureau To Whom It May Concern, As your constituent, I write today out of a deep sense of frustration concerning the Financial institution as they target XXXX XXXX  to deny and disenfranchise for Housing, personal, business and Automotive loans. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX posted an advertisement no down payment with low interest rates. We applied for a loan for a XXXX XXXX XXXX {$16000.00}, with XXXX miles. On XX/XX/XXXX, my wife and I was approved for no money down with a low interest rate based on our credit scores XXXX, financed through Ally Bank, we called Ally Bank and was told our interest rate will be from 8.85 % to 11.99 %. 

My wife and I are beyond disappointed in this dealership, more specifically, sales manager XXXX XXXX. This man attempted to come off as a trusted, charismatic individual, but essentially in my experience working with him, my opinion changed and he has lost my trust and respect. It appears this dealer is engaged in bate and switch and Predatory lending after shot-gun our credit to several lenders, which further damaged our credit report due to excessive inquires. While the finance department were completing the final documents, we took the car for a one mile test drive no problem found at this time, except, the left rear floor mat was split, Rear wiper blade broken, radiator reservoir was empty. 

I alerted the lot person of the issuers, he stated they will fix the problem. After the test drive, we were told to report to the finance department, where we was forced to signed the car financial document In seven minutes without any explanations to what we are signing. We was not told about the XXXX and XXXX XXXX XXXX XXXX on this car that we paid for. We drove sixty miles to our home to find out this car was Jerking and shifting very hard, I called XXXX and told him about how unhappy about this transmission situation, He asked me to bring the car in on XX/XX/XXXX to fix the problem, which the dealer should have checked during a service of this car. 

When we got home we are able to actual read what we signed and very disappointed as to how we got ripped off manly because they target XXXX XXXX in regards to situation like this. XXXX should be forced by the Federal Government for a transmission recall on the XXXX XXXX. We are asking the State and Federal Government to investigate XXXX XXXX XXXX XXXX for Predatory Lending, while using bate and switch tactics, while inflated the cost of the loan to {$19000.00} for 75 months interest over {$30000.00} when the car is paid off. 

Sincerely, XXXX XXXX, XXXX.