23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/XXXX, I opened a complaint with CFPB regarding three issues with our mortgage service provider, Select Portfolio Servicing ( XXXX ). XXXX closed the complaint with CFPB, even though they only resolved one of the three issues. The FIRST REMAINING ISSUE is my Unpaid Principal and Deferred Principal/Interest balances are still wrong in the XXXX computer. However the combined/Total balance is correct. As of XXXX/XXXX/XXXX, the correct balances are : Unpaid Principal ( {$120000.00} ), XXXX XXXXt ( {$10000.00} ), XXXX XXXX XXXX {$130000.00} XXXX. XXXX Ombudsman Dept. even wrote in their response on XXXX/XXXX/XXXX that the XXXX XXXX should be ( {$10000.00} ), but will not take action to correct it with their cashier department. If XXXX does not immediately fix the account balances, I will be charged more interest than is owed when I make my XXXX XXXX payment. 

The 2nd REMAINING ISSUE is in regards to thXXXX XXXX XXXX of {$10000.00}. Even after obtaining documentation from my former mortgage company, XXXX ( on XXXX/XXXX/XXXX ) detailing the Deferred Interest, XXXX Ombudsman wrote that my Deferred Interest was with my former mortgage company, and when the loan was sold to XXXX, the XXXX XXXX was re-categorized as XXXX XXXX. XXXX said that I had to wait until the Unpaid Principal was paid before I could pay on the re-categorized, XXXX XXXX. I sent an email to XXXX Ombudsman on XXXX/XXXX/XXXX, asking for confirmation regarding a letter from XXXX dated XXXX XXXX, XXXX stating that " Any monies paid towards the {$10000.00} XXXX XXXX will result in a XXXX interest statement. '' Now this letter came directly from XXXX, yet they sent me another letter dated XXXX/XXXX/XXXX saying they had to do further research and it would take another 30 days. XXXX has been researching my disputes since XXXX XXXX. Every time they send a response that is incomplete or incorrect, they immediately close the inquiry. Then when I contact them regarding their response, I have to open a new inquiry, and wait another 30 days. There is no continuity on a case. Once they send a letter to you, the case is immediately closed.
Product: Payday loan, title loan, personal loan, or advance loan

This is in regards to my prior complaint. FNBO is calling me trying to collect a payment. FNBO sent the payment to the wrong account number on my XXXX account. Im having to make payments to XXXX still because of this mistake. I can not afford to make payments to FNBO and XXXX. Im trying to get someone to redo my loan for a new start date after they retrieve the funds that is missing. I dont miss payments are they are going to destroy my credit. Can someone in the loan department please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and Ally has listed my XX/XX/XXXX payment as delinquent. My payment due date is the XXXX of each month and my XX/XX/XXXX payment was submitted on XX/XX/XXXX. It was not past due as indicated on my credit report.
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 right to privacy and confidentiality under 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. 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. XXXX. # XXXX, XXXX XXXX XXXX # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX XXXX, U.S DEPARTMENT OF EDUCATION XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX, DEPT OF ED? XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF ED/XXXX # XXXX DEPT OF ED/XXXX # XXXX XXXX DEPT OF EDXXXX # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX,
Product: Mortgage

I received a shortage coupon from my mortgage company XXXX that I could choose to pay the full amount ( due by XXXX XXXX ) or have it dispersed over a 12 month period. In XXXX my mortgage was sold to Specialized Loan Servicing. On XXXX XXXX I sent a check to my new mortgage company for the full amount of the shortage of {$990.00}. I included the payment coupon and the new loan number. My check was cashed a few days later from Specialized Loan Servicing. 

I went online to check the status and to make my XXXX payment. To my disbelief my loan was misapplied and not put towards my shortage. I called Specialized Loan to find out what happened. I spoke to someone ( did n't get their name ) and was told since I was one payment behind they applied that money towards that and put the rest in escrow because that was their policy. I was fuming and in disbelief. I paid the full shortage amount in good faith to keep my payment down. So NOW I have to make the shortage payment over the 12 months plus my mortgage payment. This is an extra {$140.00} a month on top of my regular mortgage. 

I feel like I should have gotten a phone call, especially of the fact that I was switched from XXXX in XXXX. I never received a call or anything in the mail. My payment was for my shortage NOT for my mortgage payment. 

I feel like I just tossed almost XXXX in the fireplace and now I have to come up with extra each month. I am a XXXX single parent and scraped together the money to be able to avoid the monthly increase. 

I am so unhappy with this new company and their decision to choose what to do with MY money.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ) emphasizes the importance of consumer reporting agencies acting responsibly with fairness, impartiality, and a respect for consumer privacy. TraXXXX, XXXX, and Experian are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is protected. This right is reinforced by 15 USC 6801, which mandates that financial institutions respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. As per 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written consent of the consumer. I have not given XXXX, Experian, XXXX, or any financial institution my written consent to share my information. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. According to 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was not informed of this right by the information furnishers to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report that is older than seven years, except for records of convictions of crimes. The adverse account being reported by XXXX and Experian is without my permission and is against the law. Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Also, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations of section 1681c and to ensure that reports are furnished only for permissible purposes. XXXX, XXXX, and Experian are failing to maintain these procedures. Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. I am exercising my right to opt out of the reporting services of XXXX, XXXX, and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my Equifax report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my XXXX report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

XXXX doesn't allow me to download a report.
Product: Credit card or prepaid card

I applied for a credit card and was denied ( 15 usc 1681 adverse action- i can not be denied an extension of my credit ), they gave several factors for the denial ( 15 usc 1611 willfully and knowingly giving false and inadequate information ), I spoke to several managers and they all said I didn't know what I was talking, 15 usc 1602 ( I ) my social security card is a credit card
Product: Credit card or prepaid card

A fraudulent transaction was performed on my card from a XXXX, Texas IP address. 
I live in Indiana. I immediately reached out to the merchant and the bank to file a dispute. I was informed this morning by KeyBenefits, after waiting on hold for 2.5 hours, that I would have to wait 15 days or more to have the funds returned to me. For someone who is unemployed through no fault of my own ( COVID ) and needs to feed their family. Its frustrating and unacceptable. This hacker removed almost {$300.00} from my benefit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am entitled to complete disclosure of the retail installment agreement made on XX/XX/XXXX. On XX/XX/XXXX I sent a letter to American Credit Acceptance asking them disclose the amount of credit I was approved for my XXXX XXXX XXXX, the amount that was paid directly to me, the amount that was credited to my account to discharge the obligation, and a statement indicating whether or not I am entitled to rebate of the finance charge prepayment. I am entitled to this information under 15 U.S.C 1638. American Credit Acceptance did not respond with this information within 30 days, and not at all. On XX/XX/XXXX I sent an Affidavit of Truth. This Affidavit went unrebutted. An affidavit unrebutted Stands as Truth. The American Credit Acceptance account reported on my credit report is fraud and must be deleted from my credit reports. The retail installment agreement is fraudulent and has never been enforceable.
Product: Student loan

I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the film industry upon the completion of XXXXXXXX XXXX XXXXXXXX with major in film and video production. To cover the expensive cost of tuition, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and graduating, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The XXXX XXXX bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last 15 years and still owe large portion of the principal. The school degree was not recognized in all my attempts to obtain employment. The school misconduct caused me a life long sense of failure. It has been discovered the school had operated with bad faith and many complains had shown it.
Product: Credit reporting or other personal consumer reports

As per XXXX finance and XXXX XXXX : 15 US Code 6802 states my consent is needed for a financial institution to disclose non public information to a 3rd party. I never gave permission or received information on how to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised years ago from the lost of my purse along with my identification. And from that I'm now dealing with the issue at hand the misrepresentation of my credit files. The following accounts does not belong to me, therefore I'm demanding that they be removed and blocked from my credit files. 

1. XXXX XXXX  XXXX {$2300.00} 2. XXXX {$190.00} 3. XXXX XXXX XXXX {$100.00} 4. XXXX XXXX {$1000.00} 5. XXXX XXXX XXXX {$13000.00} 6. XXXX XXXX XXXX {$59.00} 7. XXXX XXXX 8. XXXX  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX  11. XXXX XXXX XXXX
Product: Credit card

The Discover card offers an extended warranty that appears in the list of benefits ; their website states " No need to worry about expired warranties. We will extend the terms of an existing eligible warranty for up to XXXX additional year on warranties of 36 months or less '' and further states this is " Available to all Cardmembers ... This exclusive benefit is available to you as a valued Cardmember. We 've got you covered when you use your Discover card. '' The reason for my complaint is if you decide to utilize this benefit and file a claim, the claims process ( which is administered by a third-party ) requires an official repair estimate to be submitted and this may have a cost -- thus, in order to use the Extended Product Warranty benefit, a consumer may have to pay an un-reimbursable expense that is not covered by Discover or their assigned third-party claims processor. 

In my particular case, I have a XXXX TV that failed after XXXX 's original one-year warranty. After filing my claim and providing all other requested documentation, I have found that there are no " free estimates '' available from authorized repair facilities. All repair providers require an upfront fee of {$99.00} to {$140.00} for an in-home estimate, the cost of which may or may not be applied towards the actual parts and labor repair. Discover will not cover this cost, and thus, this is not a free benefit. Contrast this to any standard manufacturer 's warranty that would not require any cost to initiate and finalize a repair or replacement and you can see that Discover needs to address this issue as this benefit is not actually extending the original warranty and this is deceptive. 

My request is that Discover amend the " Extended Product Warranty '' Terms & Conditions advising consumers " that any cost for an estimate is not included in this benefit '' or that they would reimburse the cost of any estimates paid for by a consumer as part of the claims payout process. 

I have contacted Discover already about this issue, but do not have confidence the company will take my complaint seriously so this is why I have elected to bring this complaint to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this XXXX concern, I tried to buy an XXXX online through the XXXX website. The Bank they use for the loan is Citizens Bank and they are offering 0 % apr on the loan for the product. So, I thought, why not take them up on the offer. 

I have great credit and assumed that this would be a smooth process. My first attempt wasnt successful and I got an auto-response saying my loan request was denied. I thought it was a mistake so I tried several more times thinking I was putting in the wrong info. The auto-response kept saying to check my email but nothing was sent over a few days. I even paid down my credit card to zero thinking maybe that was the problem. I attempted this around 5 times in total. 

I contacted Citizens bank to see what the problem was. They concluded that my account from 4 years ago was delinquent around {$500.00} from an XXXX product in the past ( I dont remember the exact amount they told me ). I never knew this and was very surprised to hear it. I never got an email or letter telling me to know I owed them money. They told me to call the collections department to resolve the problem and pay the balance and that would fix any issues. I was happy to do that yet still a little confused that they never tried to collect from me. 

I called the collections department and they assured me that I have a zero balance and it was paid on XX/XX/2017 so there was nothing to pay. Apparently, it was a two-week late payment for around {$500.00}. We were able to get on a three-way phone call with a Citizens Bank representative to explain that this issue has been resolved 4 years ago. 

The bank refused to fix the problem on their end. After many attempts and several conversations with different people to resolve this, they still will not absolve me from their mistake. They continue to say I owe them money and that I am a risk to loan money to. With no way to pay them or resolve the issue, I am at a dead end. 

I just happened to look at my credit score today and it has gone down almost 50 points in two weeks. I can only imagine thats because of all the times I attempted to apply for this loan that was denied for a mistake Citizens Bank refuses to correct. 

Thanks for your help. 

Best
Product: Credit reporting or other personal consumer reports

I would like Transunion to remove the filing as it creates a burden of impairment and does not promote equality in the social economic venue of personal contracts and unalienable rights devoted to the consumer account violation of the following with consent to remove from the consumer is willful intent to injure and neglect the following complain under 15 usc 1608 fair credit accuracy and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there are multiple accounts reporting different negative information from a company called XXXX XXXX XXXX XXXX. I have only had one account with XXXX XXXX and that account was paid in XX/XX/XXXX. Currently, XXXX XXXX is reporting information such as late payments, settlement accepted, charged off, bad debt and placed for collection and skip all for the same old account. I sent XXXX XXXX a validation of debt certified letter on XX/XX/XXXX. While I did receive a response letter within the required 30 days, the letter stated that my letter was rejected as a formal compliant and no investigation would occur. The letter also stated that I was free to go into one of their locations if I had additional questions about my account. At this time, I am seeking assistance in having XXXX XXXX removed from my credit reports due to multiple erroneous account reporting of a single old account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I was charged two times for camping at XXXX XXXX XXXX XXXX XXXX Ct. Provided paper work to Comenity Capital Bank on XXXX/XXXX/XXXX. I have sent numerous emails to Comenity XXXX XXXX on their " customer care '' web-sight. They have not resolved my problems.
Product: Vehicle loan or lease

I purchased a vehicle from Carvana I paid my down payment I pay my car note early they did not go over my paper work and sent me an affidavit a few days before my temporary plate exasperation. The representative told me he would check and call me back later in the day I never got the call back. So I called back the next day and had another representative check on my plate. She returned to the line and told me they where going to get me a rental car but I have to pay a {$50.00} dollar deposit for the rental. I dont go get the rental because why should I pay anything when its not my fault. So a week later I call and ask are my registration and Tag on the way now I get Carvana saying they dont know how long it is going to take to get my truck registration or plate. The representative ask me we have given you a rental. I told the representative I shouldve to pay anything for something thats not my fault. She puts me on hold and returned on the line and offered to give me a XXXX dollars for my trouble. I in return ask if they would either put my payment for the month at the back of my loan or waived the payment due to not being able to drive my vehicle so this is my complaint of not compensated for my inconvenience but to offer me compensation that doesnt add up to the amount I pay a month for my vehicle
Product: Credit card or prepaid card

On XX/XX/19 I noticed that XXXX the APP like XXXX withdrew from my bank account the amount of {$220.00} through XXXX transaction # XXXX XXXX XXXX XXXX CA XXXX for an order that I do no authorize. I have tried to contact XXXX  by phone but they only say to use on line app so I send a lot email to them but never answered anything about the transaction. 
Then I contact my bank Citibank N.A. I sent them the information they asked for and they told me to cancel my debit card to avoid future unauthorized transactions and cancel my debit card. After months the resolution of my bank was that since I received the merchandise that they could not do anything. 
XXXX had the information on file of my debit card and home address because I had previously made a purchase with them. 

Citibank then told me that when XXXX  through an email ask me if it was my address and that I said it was, but it was because I first sent them an email telling XXXX  that they had sent me merchandise to my address that I did not order or authorize and I asked XXXX for a shipping label to return everything they sent me and now they say that I could have returned it in 30 days after the complaint but as if I never answered XXXX  to which address I could RETURN the merchandise. 
As the bank did not help me then I called XXXX and they told me that since I started the complaint with my bank they could no longer help me. 
The representatives of appeals in Citibank made me spend time money on faxes that they say they did not receive which is a lie because I have the confirmation and I was talking with Citibank to check the status of the case until I had to reopen it again because they had Case closed.