23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PennyMac is unresponsive to the very program they strongly encouraged me to apply for through the AZ Dept. of Housing HAF program after my loan modification was complete and my monthly mortgage was paid for 6 months in advance. 
The AZDOH HAF program has been trying to get PennyMaXXXX to complete this Hardest Hit Funds program onboarding ( CDF ) paperwork since XX/XX/XXXX. This " CDF '' onboarding paperwork was again sent to PennyMac on XX/XX/XXXX. At the end of XXXX, I received a call from PennyMac informing me a ) they received the HAF paperwork and would be completing it, b ) my account was placed in a HHF status and would be protected from any adverse delinquency action while the process of the HAF application was in process c ) that I had been appointed a single point of contact to work on behalf of Hardest Hit Assistance and that I would only be able to communication with PennyMac regarding my account through this single POC while my acct was in an HHF status but d ) that any overdue payments would not report negatively on my credit report during this process just as they had not been when my acct was in COVID forbearance. They *promised* me my account would not be in any jeopardy. 
HAF told me they have NOT rcvd the CDF paperwork from PennyMac and have resent it to them for a third time last week ( XX/XX/XXXX ). My POC at PennyMac refuses to answer or return calls, I have never spoken to him, and now my XXXX report has been hit XXXX points bec PennyMac is reporting my acct as 60 days past due. I completed the application for HAF assistance on XXXX XXXX, XXXXwhen my mortgage was paid in advance through XX/XX/XXXX. I need PennyMac to honor their promise of ensuring my account ( that I worked very hard to get current and get a loan mod approved for ) is not reporting negatively and is not jeopardizing my mortgage and I need them to work with the AZDOH 's HAF program adjudicator A.S.A.P to get these Hardest Hit Funds approved as it has been *****6 months ago now*****that I applied for this assistance that I am CONFIRMED eligible for. HAF will pay the 2 months now overdue plus a future 3 months of mortgage payments once PennyMac does their part of completing the CDF onboarding paperwork. PennyMac is now attempting to send me certified mail. I am concerned this mess could put me once again at risk of foreclosure. I just resumed working again one month ago after losing my job of 17 years last year due to the pandemic. I am getting back on my feet but this issue is risking setting me back to square one.
Product: Credit reporting or other personal consumer reports

Ive summated several documents to this company letting them know that the information is wrong and I did not give anyone permission to use my information nor did I give XXXX Written consent or permission to furnish any of that info on my credit report. 

Nor have XXXX or Equifax even Marked the response of my dispute in there system, its like it never happened and only when I call, and when I talk to customer service XXXX tell me they not doing anything about my dispute because they believe it was sent through a 3 party witch I didn't and ive told them that and have repeatedly sent several documents with ID, Proof of address and even sent in a FTC report. still no help its been months Ive talk to supervisor at Equifax let him know that ive called sent letters and he and have been trying to get these inquiries off for over an year and he Immediately apologize and said that the situation will be fixed immediately and I had nothing to worry about its been over an months since that conversation and still no avail.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS, say I owe XXXXXXXX XXXX  {$580.00}. It went into collections on XX/XX/year>. I was XXXX  in XXXX XXXX XXXX XXXXrom XXXX XXXX XXXX XXXX Not at any time prior to my XXXX  or after being released have I had any accounts with XXXX XXXX. tried disputing several time to no avail. They keep saying the account is accurate when I know its not.. if they have an account in my name than its due to identity fraud
Product: Credit reporting or other personal consumer reports

I am writing to dispute the credit reporting practices of XXXX XXXX concerning my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : XXXXXXXX XXXX has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. 

Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, XXXXXXXX XXXX has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. 
Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. 
Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by XXXXXXXX XXXX  The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. 

Reporting to the IRS : I will be reporting XXXX XXXX XXXXo the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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 Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : UNKNOWN # XXXX Account Name : UNKNOWN # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXL XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I have been trying to come to a resolution for loan XXXX since it was transferred to Select Portfolio Servicing from XXXX XXXX XXXX XXXX XXXX. It is now XXXX XXXX and I still can not come to a resolution with my servicer. My main complaints are ignored each and every time. I have sent several Qualified Written Requests and Letters of Explanation to Select Portfolio regarding the following disputes and the responses are vague. The servicer has a trustee sale date scheduled for XXXX XXXX, XXXX and they are not legally bind to foreclose. 
Disputes : 1. I was approved by Keeping Home California / Hardest Hits Funds for the Principal Reduction Program that Select Portfolio participates in. The agency has sent several notices to Select and all have been ignored. I have stated this approval in all written documents to my servicer and all attempts to get an answer is ignored. 
2. I am repeatedly told by my servicer that the investor on my loan ( XXXX XXXX XXXX ) will not approve loan modifications on the account. The servicer advised that the loan is owned by XXXX XXXX XXXX XXXX. I checked the trust and my loan is not shown in the list of loans and loan amounts. After further research, I find my home loan in the XXXX XXXX XXXX XXXX with a completely different investor shown. I provide this proof to my servicer in written document and all attempts have been ignored. 
3. I have not been offered alternative programs to avoid foreclosure. 
4. Single point of contacts at the servicer has been changed practically every month. XXXX representatives on file, XXXX XXXX and XXXX XXXX have tried to talk me into allowing the servicer to foreclose on the property. My last phone conversation with XXXX XXXX resulted in her offering me a cash payout. 
5. The current mortgage loan is not the same loan before it was sold to my servicer. The servicer advised that the loan was modified but the modification was canceled by my previous servicer. Select Portfolio will not recognization nor assist with a resolution on this matter. 
The due diligence on my file has not been done and I am outraged that my numerous requests have not been correctly answered. I am seeking assistance from OCC to have the upcoming sale date of XXXX XXXX, XXXX to be halted and an investigation done on my account. I received a Notice of Rescission of Declaration of Default and Election to Sell from XXXX XXXX XXXX XXXX XXXX, XXXX stating that the loan is indeed questionable and wrongful foreclosure was attempted. I have tried to get Select Portfolio Servicing to assist me with this research but all attempts by mail, fax, and email have been ignored. I have every intention of keeping my home. Your assistance with this matter is greatly appreciated.
Product: Payday loan, title loan, or personal loan

CCFI FUNDING , LLC DBA CASH CENTRAL, INSIGHT CAPITAL THIS IS A CHECK CASHING COMPANY AND THIS IS THE SECOND TIME TAHT THEY ARE REPORTIG ME TO THE DEBT COLLECTOR BY MISTAKE., LAST TIME IT COST ME XXXXPOINTS ON MY CREDIT REPORT.I 'M A BUSINESS OWNER AND MY CREDIT SCORE ISABOVE XXXX.I DID TRY TO FIND OUT WHAT IS HTE DEBT FOR BUT THEY KEEP HANGIGN UP THE PHONE ON ME.I 'VE ALSO CONTACTED THE .XXXX  OF LAST YEAR I'VE REMOVED THE COLLECTION REPORT FROM MY CREDIT REPORT AND THIS YEAR ONCE AGAIN SAME COMPAY IS UISNG ANOTHER COLLECTION AGENCY ( WITH ALMOST THE SAME NAME ) FOR THE SAME AMOUNT.
Product: Credit reporting or other personal consumer reports

I have wriiten several letters to XXXX, Experian, XXXX and XXXX to have public records removed and deleted from my personal credit file. The most recent letter sent was in XX/XX/2024. It has since been 30 days and l have not gotten a response. All ( 3 ) credit bureaus fail to properly investigate my situation. I have contacted the U.S. Bankruptcy Court who have stated that they do not report to any credit bureau. I have uploaded a copy of the letter sent from the courts. Which l have also sent to all ( 3 ) credit bureaus and XXXX XXXX on several occasions.Therefore the info in my credit file is inaccurate and do not comply with the FCRA 611 ( 15 U.S.C 1681 ) should be removed and deleted immediately.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/year> EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with MONEYLION, XXXX, XXXX & XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX, XXXX & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

I have a debt on my credit report for American collection systems for XXXX New York that should not be there because XXXX servicing is already handling all my school loans.
Product: Credit card

I have contacted Capital One to let them know of this unauthorized fraud account, however they sent me to collection and now I found out on my credit report that there is a judgment apparently they sued me for this account, and a judgment has been entered, when they did n't even let me know they sued me, so I could appear in court. I can not believe they held me liable for an account that I did not open, I have never done business with this this credit card company, and they sent me to collection and latter sued me for this and not even let me know they did. I had to find out from my credit report. Now I have a civil records and judgment that is filed against me for account that I did not open, with a credit card company I never done business with.
Product: Payday loan, title loan, or personal loan

The loan company has called me 2 times or more per day every week. They have also called my workplace as well as family members that I did not provide them with information on. I have asked them to stop calling my work phone and family members that they had no knowledge of. The problem has continued with harrassment including them stopping at my home to talk to me. I have gotten yelled at on the phone by the personell there when I am just trying to correct the late payment.
Product: Mortgage

Carrington is trying to say I did a partial home loan modification in XXXX. I had my whole loan redone to {$90000.00} XXXX  XXXX XXXX got {$21000.00} which isn't supposed to be paid back until the end of the loan which is XXXX. It doesn't state it in the letter either about a partial home loan modification from XXXX. XXXX  XXXX XXXX tried to foreclose on my home in XXXX because they weren't applying my payments as they should be. I had to file for bankruptcy protection to save my home. They keep telling my lawyer different stories from what they told me to cause trouble. Now Carrington is causing more trouble with not notifying my lawyer or the bankruptcy court. This XXXX as an f rating with the XXXX. It seems they want to transfer my home loan to these sorry companies.
Product: Mortgage

We requested a Covid-19 forbearance XXXX of 2020 and additional extensions as we had a loss of income due to the pandemic. We have reached the 18 month mark and are ready to resume our mortgage payments. 

We contacted Select Portfolio Services to advise that we were ready to continue making our mortgage payments and after a series of questions we were advised we needed to send in a full borrower assistance package that includes but is not limited to : two years of tax returns, pay stubs, hardship letter, utility bills, etc. 

According to the online resources for XXXX XXXX, their website information states a full package is not needed in order to get a deferral, modification etc. unless we are disqualified from said programs for a specific reason. We have asked SPS at least on 3 or 4 different occasions if we do not qualify for the Covid-19 relief options for a specific reason and we have not been given one. The only thing we have been told is that we are REQUIRED to send in a full and complete package due to investor requirements even on Covid-19 options. 

We do not want to be at risk of losing our home so we are going to send in a full package, however, we would like this issue to be investigated due to the conflicting information on the XXXX XXXX website and what we are being told by the servicing company.
Product: Debt collection

Recently had a creditor ( Credence Management Resource, LLC ) added to my credit profile. Upon research, they are a debt collector representing XXXX. I had XXXX since XX/XX/XXXX. I ended up purchasing a new phone/equipment and financed it. My end date was XX/XX/XXXX. I paid and since I ended my contract, I decided to go with another carrier XXXX. I called XXXX to get my balance and they provided it and I advised that I was leaving and to make sure there was no balance once paid. I had the conversation recorded as well. I paid the balance off in XX/XX/XXXX in the amount of {$260.00}. 

I sent a certified letter twice to Credence and provided them all of the paperwork and the original contract along with bank statements. They in return sent me a bill from XXXX dated XX/XX/XXXX for {$130.00} with a different phone number that I never had nor know anything about. I obtained service with XXXX the same month ( XX/XX/XXXX ) I cancelled with XXXX. They still have this on my credit and have not provided me with a contract or anything to show that I signed up for an account with that number. I have provided them with everything to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Chase Sapphire credit card account for many years. One XX/XX/XXXX the company notified me that someone had obtained my information and was making fraudulent charges. Chase issued me a new card and advised me to get a police report about the incident and send it along with a request for a fraud alert on my account to the three credit reporting agencies. I did all that ( see attached documents ). 

On XX/XX/XXXX a Chase representative called me and said TransUnion, apparently in response to my written request for a fraud alert, had blocked the account as a fraudulent account and removed it from my credit file. Therefore Chase said it could do nothing but completely close the account and could not issue me a new credit card. 

I wrote another letter to TransUnion ( attached ) saying it had misunderstood my request and to add the Chase account back to my credit file. 

I called an XXXX XXXX at XXXX ( XXXX ) and he confirmed XXXX had indeed removed the Chase account from my file but that he could not reverse that action without a request from Chase. 

I called XXXX at Chase ( XXXX Ext XXXX ) and asked her to request of XXXX that the file be unblocked and to reinstate the Chase account. She said she could not make that request and referred me to the FTC which referred me to Consumer Finance. 

XXXX advised me that incident has not harmed my credit and that there is " nothing negative '' on my file. However, I can not just open a new account with Chase as I would lose some 300,000 points for air miles with XXXX XXXX  mileage plus. Additionally, although I still owe some money to Chase on the old account ( not due until XX/XX/XXXX ) Chase refuses to send me a statement showing what the charges are for or any other information. XXXX in fact told me Chase can not communicate with me by mail any more. I have not yet received anything at all from Chase in writing about this incident. 
I need to know how to proceed to get a copy of my statement, to redeem my points for air miles, and reinstate my account. Thank you.
Product: Student loan

Navient is harassing by calling way too often - and with auto dialers. 

Navient will call around 10 times a day from various numbers - whether you pick up or ignore the call it's the same message or silence.