23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX : My home loan was in forbearance from XX/XX/XXXX to XX/XX/XXXX. I qualify for two Veteran Affairs programs, and although not legally required, PennyMac isn't honoring these programs. Only having two options ( lump-sum or loan modification ) puts me in a larger financial bind than when I started the forbearance. I feel I'm being punished for using forbearance and would like PennyMac to honor one of the two VA programs I currently qualify for. 

- In XX/XX/XXXX, I requested forbearance on my PennyMac VA home loan ( single-family home ) - On XXXX XX/XX/XXXX, my forbearance period expired. 

- At the end of this forbearance period, I owed {$15000.00}. 

- I was under the impression that I could file for the Veteran 's Assistance Partial Claim Payment Program, which expires on XXXX XX/XX/XXXX. 

- On XXXX XX/XX/XXXX, I called PennyMac several times. I was told by two representatives that the VA stopped the Veteran 's Assistance Partial Claim Payment Program. I informed them that the program doesn't expire until XXXX XX/XX/XXXX and I have four months to file the paperwork, to which they both re-stated that PennyMac stopped processing these requests on XXXX XX/XX/XXXX because it takes over 60 days to process. 

- On XXXX XX/XX/XXXX, I contacted my VA Loan Technician ; he confirmed that PennyMac was one of three companies who stopped filing claims for Veteran 's Assistance Partial Claim Payment Program, but he said I met all of the qualifications for the Veteran 's Disaster Extension Modification ( VA Manual 26-3, Chapter 5 ). The VA Loan Tech initiated a three-way call with me and PennyMac to discuss this option for me. The PennyMac rep had not heard of this option ; further stating my only two options were to pay the lump-sum or to do a loan modification. I currently have a fixed rate of 2.375 % on my home loan, and the VA Loan Tech asked them to look at the VA Disaster Extension Modification ( this program would put 12 months of mortgage payments at the end of my mortage without interest ) option because modifying my loan at the current rates would put me in a financial bind ; basically, I would end up in a worse financial position than when I started the forbearance. PennyMac insisted I only had two options but would submit a request to the PennyMac Loan Mitigation department to research the VA Disaster Extension Modification as an option for me. 

- On XXXX XX/XX/XXXX, the VA Loan Tech sent me Chapter 5 of the VA Manual 26-3, which I then submitted through my PennyMac account portal at XXXXXXXX. I received a message back from PennyMac on the same day at XXXXXXXX stating the information was forwarded to the Loss Mitigation Department and to " ... please allow time for your single point of contact to reach out to you to address your concerns. '' - On XXXX XX/XX/XXXX, I submitted an application for the Virginia Disaster Relief Program. At XXXX the same day, I sent a message to PennyMac through my loan portal to let them know. At XXXX PennyMac responded with the same message sent to me on XXXX XX/XX/XXXX. 

Thank you for your time and attention with this matter. I hope to reach a solution that satisfies me and PennyMac.
Product: Money transfer, virtual currency, or money service

I was in the process of purchasing real estate, three business days before closing I received email correspondence from someone posing as my real estate attorney requesting closing costs to be wired to a PNC bank account. I initiated the wire transfer of {$89000.00} on XX/XX/year>. Two days later I was informed that the account did not belong to my attorney and it was wire fraud. I reached out to my financial institution to initiate a wire recall and they have been trying to contact PNC since XX/XX/year> with no response. There have been over 10 attempts by my financial institution to contact PNC regarding the wire recall and no communication from them has been received. 
A local police report as well as an FBI IC3 complaint have been filed for this issue.
Product: Student loan

To whom it may concern, I have been dealing with being unfairly treated by a collections agency by the name of Williams & Fudge Inc. for 4 years now. They refuse to work with me on reasonable terms of repayment and I feel I can never get out of this hole. I dropped out of college after my sophomore year because I had an outstanding balance of over {$12.00}. My single mother and I could not afford to pay back the amount in full. Loans were denied to us left and right. So with a heavy heart I joined the workforce. Due to no degree I could only get entry level jobs like XXXX, XXXX, and XXXX industry. My balance defaulted and eventually went to collections Williams and Fudge Inc., now I owe over {$16000.00}. I ca n't go back to school unless this balance is paid in full. I am currently an XXXX serving on XXXX XXXX and I believe I have additional rights with dealing with this collections agency. I have dreams of becoming a XXXX and this debt is holding me back.
Product: Payday loan, title loan, or personal loan

I applied for an Installment loan with One Main Financial on XX/XX/XXXX. I was not ready to secure the loan after I was approved. Two weeks later I was ready to apply for the loan, and I called the office and spoke to the same representative. I was told that I had to reapply. I explained that if credit information does not change within 30 days, why should I have to apply? She noted that she thought it would be a " soft pull '' on my credit report. I have approved again for the installment loan. To date, I have two " hard inquiries '' from One Main Financial, XXXX XXXX, XXXX, and XX/XX/XXXX. After realizing the two inquiries were on my credit report, I notified the One Main Office, and they said they escalated my issue. I received a notice regarding the confirmation of the hard inquiries.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX CONSUMER ADJUSTMENT CO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONSUMER ADJUSTMENT CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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. 

XXXX XXXX XXXX # XXXX, XXXX XXXX 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 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, credit repair services, or other personal consumer reports

XXXX Transunion indicated that they deleted unauthorized inquiries from my credit report. However they all remain. I provided FTC reports for each of the unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered numerous violations of the Fair Credit Reporting Act ( FCRA ) related to the handling of my credit report and personal information. These violations include : Willful Noncompliance ( FCRA Section 616 ) : Credit information about me was accepted and reported without first verifying its accuracy, constituting willful noncompliance. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ) : My right to opt out of sharing personal information was not disclosed, a deceptive practice infringing on my consumer rights. 

Furnishing Deceptive Forms ( FCRA Section 623 ) : Inaccurate inquiries and accounts were furnished without proper validation, which could also violate Generally Accepted Accounting Principles ( GAAP ). 

Unfair Debt Collection Practices : Inaccurate debts and accounts were reported without my consent, causing unnecessary distress and contact from creditors, violating the Debt Collection Practices Act. 

Unauthorized Disclosure of Debt Information : Debt collectors contacted third-party agencies with my information, violating regulations prohibiting third-party disclosure of debt details. 

Misreporting Late Payments : Late payments were inaccurately reported without defining what constitutes " late, '' misleading the record of my financial activity. 

Incorrect Finance Charges : Proper determination of finance charges was neglected, which is a clear responsibility of a credit reporting agency. 

Unauthorized Reporting ( FCRA Section 604 ) : Information was reported on my credit report without obtaining my written consent, violating permissible purposes under the FCRA. 

I have listed specific actions for the responsible agencies, including the correction or deletion of false personal information, unverified accounts, and unauthorized entries on my credit report. I am seeking immediate resolution and clarity on these issues to protect my rights as outlined under the FCRA and related U.S. Code laws. Failure to address these violations promptly will compel me to pursue legal remedies.
Product: Checking or savings account

Im in debt with Wells Fargo due to a fake check that was sent and Well Fargo was suppose to see if the check was fraud or not and they told me that its ok I deposited the check and something happens I ended up having to pay for it Im in debt because of unauthorized stuff with a Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payments on my account for XX/XX/2017 & XX/XX/2017. These lates are inaccurate. My account was set up to auto draft every month. I shouldn't have any lates and they need to be removed.
Product: Payday loan, title loan, or personal loan

I have notified XXXX  of my current situation of being a XXXX employee and requested an extenstion or change in payment date. I was told twice that " We are unable to offer a grace period or an extension on your monthly payment ''. I contacted them prior to the furlough and requested a payment date change " Sorry but your payment date can not be changed ''.
Product: Mortgage

My firm represents XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. I am submitting a complaint on its behalf with reference to a condominium unit designated as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The owners, XXXX XXXX XXXX XXXX, vacated and abandoned the unit. The unit is not being maintained and currently condominium fees in excess of {$38000.00} are due and owing. The owners and the mortgage lender are receiving the benefits that the condominium association provides at the expense of other paying owners. A mortgage foreclosure was commenced in 2009 and dismissed for lack of prosecution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please REMOVE THIS** following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

I have been attempting to work with Wells Fargo since XX/XX/2016 to avoid foreclousre. I cintact them immediately when I knew there would be an issue covering the mortgage and beagn working a realtor, as advised by Wells Fargo, to attempt to sell the home. 
As I've moved through the loss mitigation process from traditional sale, to rejected offers, to short sale, to deed in lieu, I have been repeatedly misinformed by Wells Fargo, reassigned to no less than specialist 7 specialist, and contiuously asked to resubmit documents that have already been submitted as requested within the stated deadlines. Due to their admitted errors I was previously been denied a short sale review, and most recently a deed-in-lieu review, despite their records clearly indicating that all of the requested documentation was received prior to teh deadline.
Product: Student loan

Navient ( Student Loans-buyer of XXXX Original Lender Handler ) Makes harassing phone calls using several Different numbers : Toll Free # XXXX ; XXXX ; XXXX ; AND UNKNOWN NAME { ID # XXXX } XXXX ; XXXX ; XXXX ; XXXX. Also Navient has used a " Shadow '' ID # As : Solution Research A : XXXX ( Source ID verified by call back ). All above # s have been used on Average of 10-12 Times per day beginning at " shortly '' after XXXX Sunday thru Sunday on a constant continual basis. Additionally, the aberrant # XXXX used were evidently created to appear non-descript, however, upon my answer or return call " pick-up '' person would immediately voice a rehearsed disclaimer : " Your call may be monitored or recorded '' no additional comment as is Common on such disclaimer e.g. "... for training purposes. '' Afterward, the Authorized representative would immediately ask me to verify my : Name, SS #, etc. ; and then commence saying '.. .we are Navient Student Loans Attempting Collect and Outstanding Debt. BUT although I have spoken to separate individuals on multiple occasions regarding my debt and financial Inability to pay : apparently, it did not matter. I was transferred to several others to discuss my financial indebtedness but to no avail. SO I have refused to speak again on the matter Knowing I will go through the whole matter again i.e., It now has become HARASSMENT! 10-12 calls per/day on XXXX primary XXXX # in addition to the flagrant use of the others to try and catch me " OFF-GUARD '' i.e, trick me/bait and switch. Finally, given the multiple DIFFERENT numbers used and daily disturbance in violation of California Consumer Law : Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections 1788.10-1788.11 ; 15 United States Code sections 1692d-1692e. ) There is no law that specifically limits the number of calls an agency may make to you, but repeated calls over a short period, which may be annoying or harassing, are prohibited.Therefore this harassment as above stated must stop.
Product: Mortgage

We had multiple problems with AmeriHome. 1. The first issue we had was some unpaid property taxes in XXXX XXXX that resulted in {$450.00} in fees. After speaking with the mortgage company on multiple occasions and them ensuring us it was taken care of, we found out at closing that it was not and had to pay out of our money to cover the costs. 2. We recently received a letter from the company stating we were to receive a check in the amount of {$3800.00} that had been paid to the mortgage company from our tax office. With the letter was a check for {$170.00} for " Miscellaneous expenses '' with a different check number. When I reached out to AmeriHome to clarify what had happened, I was informed that the check had been processed but had not been mailed and that we should receive it within the next 30 days, if not sooner. After waiting for the check to arrive and it not showing up, I got back in contact with AmeriHome. There was no longer a record of that check. I spoke with 2 different employees that worked for XXXX, the mortgage company 's third party processing company who gave me two different answers on what was happening. I asked for them to contact me with an update from their tax department and received nothing. I finally called the corporate office and spoke to an employee there who informed me that there had been an error and we were not supposed to get that check. I do not trust that this is true as I was clearly lied to throughout the entire process.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account name : UPSTART NETWORK INC Account XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.