23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The PennyMacUSA mortgage company website has an online payment free login service. For months I have tried ( as have other customers ), to login and make an online payment. Every time I get to the point where I have ALREADY past verification codes, and security checks have been 'cleared ', the screen stays stuck at the 'successfully login screen '. The Green Check mark indicates login successful. Nothing changes. I can not access the 'Make a Payment ' screen and if you click on the menus up on the top, it 'kicks you out ' only to return you back onto the login screen. Nothing on the websites Home Page indicates one needs XXXX, XXXX, etc. My browser does have XXXX XXXX enable, no firewall or virus protection programs to block access. Even my security on my browser is minimal. I believe the company purposely does this in order to have customers use the 'Automated Phone Payment System ' which charges 'convenience fees '. Also if payment is made via Customer Service the fee also applies. The company is trying to make more money by having the NON - FEE payment method unavailable to its customers, especially at critical 'XX/XX/XXXX of the month ' period.
Product: Credit reporting or other personal consumer reports

Payments are not being processed properly, they are not being reported to my credit report properly and balance owed versus balance borrowed along with all the other information is incorrect on my experian credit report. I have sent them numerous emails and letters and writing and contacted them over the phone and I get no response. They make it increasingly difficult to find answers to questions and get responses and submit information in writing through this maze of a system that they have. Please see the screenshots and uploads that I have attached to this complaint. By balance is incorrect even as of today versus what I have paid and what is reflected on my experian credit report. I told him I was not going to make no more payments until they processed my deferments and or hardship requests because of health concerns surgeries and job loss all at the same time. They've ignored all of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian To Whom It May Concern : This letter is in response to your recent claim regarding " Account name : XXXX XXXX XXXX XXXX Account # XXXX '' which you claim I was 30 days late in XX/XX/2021, I was 60 days late in XX/XX/2021, and 60 days late in XX/XX/2021 which is inaccurate because if I was 60 days late in XX/XX/2021 than I could not also be 60 days late in XX/XX/2021 and that the account is a charge off with the balance of {$2200.00}. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compli-ance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damag-es per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not lim-ited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last 4 of SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Student loan

We have XXXX loans through Navient. One is a consolidated loan ( XXXX ) and another is a XXXX ( XXXX ). They both have different interest rates with one substantially higher. We pay monthly online and never miss any payments. For several months we have been trying to make extra payments to the loan with the higher interest rate ( Stafford loan ) so we can pay this off quicker. They will not apply the extra payment to the loan. They evenly distribute this money across both loans. There is no way to allocate this extra payment to pay off the loan quicker online. When you call they give you the run around and say that your promissory note allocates this. This is so unethical. This is not true. We pay the normal payment allocations already that the promissory agreement requires. You should be able to make extra payments to the principle of a loan that you choose. There is absolutely no way to do this online or over the phone. Additionally, I have called several times over the last several years to make sure that I still qualify for the public service loan forgiveness program ( XXXX in public service for 10 years ) and are on track with my payments. They have always said my loans qualify and that I am on track with the right loan ( the consolidated loan ) and today I called they said I would have to re-consolidate this loan again and the 120 payments and 10 years of service would start from the date of re-consolidation? I already consolidated! This is complete fraud! If you consolidate again, then this would disqualify you from the 120 payments you have already been making toward that loan..Since I was upset they routed me to another number that would give me more information and I sat on hold for 1 hour and 13 minutes and was never re-directed. While on hold for 1 hour and 13 minutes the automated recordings said to set up a specialist appointment you need to visit their " change payment page '' on Navient.com. I searched for this page to set up an appointment and it does not exist. I used their search engines and could never find the page they are describing. They give you the run around .. Do not give correct information about your loan and seem to be scamming the system so that students are paying more on a loan.. Now we are stuck in a loan and keep getting the wrong information.I ca n't trust anything this company says. Every person we talk to says a different thing from their scripted book. You ca n't even make an appointment with a " specialist '' to discuss your loans. This is a truly unethical company misguiding and scamming students.
Product: Credit reporting, credit repair services, or other personal consumer reports

ASSOC CRDIT ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is  affecting my ability to obtain new credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Navy Federal CR Union several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 card or prepaid card

I purchased a hotel reservation though Chase Sapphire Card on  XX/XX/XXXX for dates XX/XX/XXXX - XX/XX/XXXX. In XXXX, after checking online, we saw that the hotel announcing closing during our reservation dates. After contacting the company, we saw no resolution and submitted a dispute through Chase for the charges. Multiple times we explained the situation, but due to Chase 's lack of performance, understanding, and communication, we have received 2 notices that state the charges are valid. Chase is under the impression that we attempted to cancel the hotel reservation, and therefore " cancellation policy '' dictates that the charges are valid. Even though in clear company writing of the Sapphire card policies, and also notice from a Chase employee, that, that these hotel charges should not be valid as the hotel was closed, and there was no action from our side. We did not make any cancellation requests
Product: Bank account or service

I opened a checking account with Wellsfargo Bank in XXXX XXXX in XXXX, Florida and was informed that a monthly fee of {$10.00} will be assessed on my account if the usage frequency of my Debit Card from my account does not exceed XXXX transactions per month. 
On separate ocassions, a {$10.00} was imposed on my account despite having more than XXXX transactions in the monthly cycle. 
Upon inquiry after the first assessment, I was informed that the cycle was from XXXX of the month to the XXXX of the following month based on the opening date of the account. When a second monthly fee was imposed on XXXX XXXX, I contacted the bank and was informed that the cycle started and ended on XXXX of the month. I then pressed the banker who assisted me as to how a cycle can vary that widely XXXX XXXX to XXXX -- 5 business days ) and how a consumer can play by the rules if the target ( deadline ) keeps moving. 
I argued that such an arrangement is unfair to the consumer and the monthly fee assessment should have been based on a calendar month, or at least on a fixed monthly cycle so that the consumer does not get charged with fees via such sneaky tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report may not include all of the information that could be relevant to my creditworthiness. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired of equifax credit reporting agency! I feel like im being ignored and taken advantage of and im having XXXX XXXX  because I worked very hard to protect my consumer report and equifax is allowing any company to furnish unauthorized information on my consumer report. They recently deleted 11 unauthorized inquiries that I have proof of in the documentary evidence that I am attaching to this complaint. They placed the 11 unauthorized inquiries on my consumer report during XXXX without my written instructions and or consent which identity theft and they violated federal law. My reputation was damaged for nearly two years and caused me financial hardship by paying higher interest rates, being turned down for loans for having too many inquiries on my consumer report. Within that time and because of these unauthorized inquiries and financial hardship I had to spend a lot of time away from my family to be a my job in order to pay the goods and services that I had to finance during that time and that took a heavy toll on my marriage that ultimately ended in divorce because equifax is unfairly taking advantage of consumers. They are also reporting a car loan on my consumer report from XXXX XXXX XXXX XXXX that i did not authorize them to report or give them written consent to report. That auto loan is in Cease and Desist with XXXX XXXX XXXX XXXX and should not be reported on my consumer report. CFPB i'm begging for your help to protect the consumer from this federal law violator. I have mailed equifax my notarized affidavit of truth and my invoice for damages listed above on XX/XX/ and they are ignoring me.
Product: Credit reporting or other personal consumer reports

I was alarmed to see an unauthorized inquiry appear on my credit report today without any explanation. I always monitor my report carefully, but this time, I was met with an unexpected and concerning discrepancy. Thinking it might be an error, I refreshed my browser, but the inquiry persisted. I am beyond frustrated with this situation and insist that the documents I've provided be carefully examined so I can finally put this issue behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX collections XXXX, XXXX XXXX, XXXX XXXX, all has Fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Credit card

I have questions regarding a 1099-MISC I received for a credit card account ending in XXXX which is a Disney Rewards Visa through JP Morgan Chase Bank NA . I received a 1099-MISC in the amount of {$590.00} for this account. I only ever received a {$300.00} statement Credit for spending {$1000.00} ( which the IRS doesn't consider taxable income anyway based on Internal Revenue Service Number : XXXX / XXXX ). I would like to know why there is a discrepancy between the value stated on the 1099-MISC and the amount actually earned as a statement credit. I have visited a branch in person, I have called the number on the Card, i have called the number on the website, and i have called the number on the 1099-MISC document . I have also sent messages through their secure message center. Between these calls messages, and branch visits have spoken to 10+ people, none of which are able to understand this discrepancy, explain it, or help me whatsoever. I have wasted countless hours trying to get an explanation and have received nothing. Now I am being forced to file and pay taxes based on this incorrect amount provided by Chase.
Product: Debt collection

I have repeatedly benn called by Conns stating that I am past due. My credit report states that I am current with payments. I have talked to management in XX/XX/2020, XXXX XXXX and XX/XX/2020. They told me each time to disregard calls from as this was a technical error. Now i have been reported to the credit bureau without due cause and my credit score has gone down. I am seeking legal action at this time. They call frequently relative to this matter.
Product: Debt collection

I have been going back and forth with this company credit collection services since XXXX about an account that they are reporting to the credit bureaus on my credit reports. I spoke with someone from their company on XX/XX/2020 and they couldn't find the account that they are negatively reporting on my credit reports so I asked to speak with someone else because she wasn't helping me any so she told me to hold on and then she hung the phone up. I attempted to call right back and I was able to speak with someone else but they were no help either this agent told me that it was nothing that they could do for me even after I explained to them that I don't owe them anything. This account that this company is negatively reporting on my credit reports is holding me back from obtaining my home loan to purchase my home
Product: Vehicle loan or lease

i need to refinance this loan to lower my payments I just got out of the hospital with XXXX XXXXXXXX XXXX I do not need this added stress of bills I tried also to defer two payments to the end of the loan which you denied my health is deteriorating fast!
Product: Debt collection

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a XXXX daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX  and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona XXXXXXXX XXXX records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. 

Thank you. XXXX XXXX XXXX XXXX
Product: Debt collection

I have received a bill now a collection notice, robo phone calls 7 days a week all day, all night, Holidays from Synchrony that I owe for something that I never ever received a copy of or anything from them except a bill and phone calls. They call my business, hang up when they get my message, it is sad. They are saying that I owe them for an air conditioner, one that is brand new made by XXXX, and installed partially by XXXX XXXX of XXXX XXXX. The air conditioner is broke, it broke 2 times and the second time it just ran air in side. It is not installed properly and it has no air filter. NO AIR FILTER. That a brand new unit breaks two times, I contacted XXXX, They just passed me on to another person another person and so on for 3 and a half months. When the air conditioner they partially installed broke for the XXXX time and was just blowing air HOT AIR. I turned it off. I am still baffled to why Synchrony is calling me and now saying they are turning this over to a collection agency. I never signed anything nor was I given any notice by XXXX that I owe this company anything. AND the air conditioner is off It is Florida and it is HOT and I HAVE NO AIR and XXXX XXXX know it. Who is this robo caller? Never heard from XXXX to install filter, fix the air conditioner, they even left the outside panel off, laying on the cement, and I found it and taped it because it RAINED the next day. So nasty they do n't even call me to fix anything. XXXX is sad, not sure why they think this collection is due that they fabricated ... ..
Product: Credit card or prepaid card

XXXX recently reviewed my Barclays credit account and found that I was being charged 29 % interest. I called the company to see if they could help me get ahead of the debt by lowering the interest rate or did they have a program that would help consumers get out of debt temporarily. The representatives did not have any knowledge about how to help a customer. 
I did email the company and they said I was eligible for a payment plan, but when I clicked on the link it did not work and when I called them the representative again did not know how to get this resolved.
Product: Mortgage

XXXX called to request total amount to pay in full. Received an est but not exact amount in order to pay. Also advised that we are taking XXXX to pay prior to the XX/XX/year> deed in lieu of only hardship option they offered us as well to oppose that option and appeal if is an option even though we are paying in full on XX/XX/year> once XXXX payment was applied to our account XXXX called to deny the only option offered for loss migration hardship option was deed in lieu of foreclosure. This was also offered during an active bankruptcy proceedings. 

XXXX online payments or account information unecessable for full payment to bring up to date. 

XXXX call to point of contact or any representative was available or answer phone or take all backpayment to pay up in full and avoid the deed in lieu of foreclosures only hardship option offered to us. We applied for hardship through XXXX and have funds to Pay account but now that we have the money which they were advoed on XXXXthey are avoiding our contact to pay or offering payment options via avoiding or blocking us from communication to pay. 

XXXX on call for XXXX as of this compliant was being sent. All past calls were answered and addressed within 10min calls. They were made aware we would be calling XX/XX/year> to pay in full. Now avoiding our calls or online options. 

This seems to be an ongoing procedure from Fay Serving to take homes from hardship owners pursuing their homeowner options.

Our concern is they are trying to delay or contact to pay in hopes of proceeding to foreclosure and take our only home from us.

Kind Regards