23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got an XXXX  month deferment of my mortgage during covid 19 pandemic, which should have extended my loan payoff period by XXXX  months. However, the company has made an error in placing or categorizing the deferred payments in a way that would still allow me to pay off my entire balance following the XXXX-month loan term extension. In another word, after the XXXX-month extension at the end of my loan payments, I will still be left with a remaining balance of {$81000.00} in unpaid interest payments. Trying to pay off the {$81000.00} will take me BEYOND the extended XXXX-month period of the original loan terms. Deferment by XXXX  months, should extend my original loan terms by only XXXX  months, with no other balances remaining, which is not happening in my situation. I tried to alert the company regarding this error in XXXX and XXXX ( while making multiple attempts to complain about this error and their lack of understanding about it here at CFPB ) but it fell on deaf ears. But within a few months of my last complaint, they sent me a letter ( attached ) confirming their error, but their solution to fix the error does not completely fix the error based on my calculations of the current amortization schedule. In my opinion, they originally made the error by placing only the interest portion of the paused mortgage payments ( and not the principal portion ) in a deferred category. This way the principal portion stayed in the unpaid principal category and continued to accrue redundant or double interest for the remainder term of the loan. If both the interest and principal portions of the payments were placed in the deferred category, the math would work correctly : XXXX  months deferment adds up to XXXX  months of extended payments at the end of the loan term. But this is not happening now as I will still be owing {$81000.00} after the XXXX  month extension of the original loan terms. They made an error and that is why they admitted to it in the letter dated XX/XX/XXXX ( attached ) and tried to fix the error by reducing my interest rate to 0 % on XXXX/XXXX and until XXXX/XXXX. But this solution is not going to fix the error completely, if I am going to still have a balance of the deferred amount remaining after the XXXX-month loan term extension. I need the company to review the math very carefully since they have made an error before and recalculate the correct date that the interest rate should go to 0 % ( probably much earlier than XXXX/XXXX ) so that when my loan term ends in XXXX/XXXX, I have paid ALL principal AND interest as per the original loan term and the additional XXXX-month extension due to deferment. In other words, they need to CONFIRM that the {$81000.00} will also be paid off by the end of the XXXX-month extension ( XXXX/XXXX/XXXX ) of the original loan term ( XXXX/XXXX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that my credit report is furnished with inaccurate information. I am a victim of identity theft as the accounts are not mine and were never initiated by me at any given point. Under Section XXXX of the fair credit reporting act I have the right to privacy and to dispute information that is inaccurate, the company that is reporting the information must also block the information under section XXXX of the fair credit reporting act.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : MARINER FINANCE , LLC XXXX.
Product: Debt collection

Specialized Loan Servicing LLC violated my rights 15 USC 1692 c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with a collection of any debt ; 15 USC 1692 b ( 4 ) not communicate by post card ; 15 USC 1692 b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 b ( 5 ) not use any language or symbol on any envelope, or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1692 d ( 2 ) Related to harassment or abuse : not use of obscene or profane language against the hearer or reader ; 15 USC 1692 g ( a ) Related to validation of Debt-notices within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless, the following information is contained in the initial communication, or the consumer has paid the debt, send the consumer a written notice containing : ( See ( g ) a-1, a-2, a-3, a-5 ) ; 15 USC 1692 k ( a ) 2 ; ( c ) ( d ) Related to civil liability and debt collector should pay for damages and injuries caused to the consumer ; ** I the affiant invoke my rights as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13 ( d ) 1 : ** I the affiant has sent certified letters with returned signature, as the administrative process requires, to SLS requesting proof and evidence for alleged debt, agreement between parties with binding contract and wet signature, that they did not purchase debt from the origin source, that they are not debt collectors, that they are not a third party agency, that they have authority to contact me and harass me using violence, threats, conspiracy to commit fraud and extortion, etc., I the affiant has proof of all correspondence sent to SLS via certified mail using the postal office as " Postal rule '' ; from Debt Validation on XX/XX/XXXX, Cease and Desist on XX/XX/XXXX, Affidavit of Truth on XX/XX/XXXX, and a final Extension letter on XX/XX/XXXX to provide requested information. But SLS has failed and did not provide any of those ; instead SLS has continued to use my name, address, credit records, DOB and other private information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and recognized a hard inquiry from XXXX XXXX. I never authorized it or wanted a credit card with them.
Product: Credit card or prepaid card

Several years ago, as I understood it, XXXX 's transferred their credit card processing to XXXX XXXX and subsequently to XXXX   XXXX XXXX XXXX  for actual charge and payment processing. For this I have had no problem. However, I recently became aware of another account created for my wife which was a XXXX 's Account. We were not aware of this separate account since the only credit cards we have are the XXXX XXXX XXXX XXXX card. For this separate XXXX 's account we are now being charged fees and overdue charges and also receiving bad credit reports to Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had made 2 payments to a receiver the first one for {$970.00} and the second one for {$110.00}. The second payment went through fine but the receiver said that the first one was listed as unauthorized and that they couldnt access the funds. I was then received an email from Paypal stating that I reported my payment as unauthorized and that I set up a dispute caseit even stated that I made a comment about it being a spoof claim. I did none of these things. And because a dispute case ID was created in error, I had no access to my funds. That payment was due the day that I sent it. I am already in financial trouble now, and I only have a few days left of my semi grace period that was so kindly extended. I called so many times, I talked to 14 people total was transferred a total of 9 times and was on hold for a total of 7 hours. Every single representative said that I needed to talk to someone else and every single time I was transferred not a single person picked up. And I was calling internationally so it cost me a fortune to wait for nothing. I emailed multiple times, and tried different departments. On XX/XX/XXXX my account activity said that my {$970.00} was transferred from bank and that the transfer was completed. It did not say where to and it said that it was transferred from my paypal balanceI did not have any money in my paypal balance. That money was supposed to be correctly refunded back to my debit card that I used, and the funds would have been accessible within the day. Instead, there was no communication, and I have no idea where my money it. It is not in my account, and my bank looked into it and said there isnt even any sign of a refund pending and they have even started a claim. I need that money immediately, I am now in financial trouble due to an error from Paypal and they are ignoring my concerns and not helping me. They can not hold my money like that for no reason and not communicate with me to tell me where it is and why I do not yet have it. I feel as though I am being scammed. I need that money returned asap. I have even contacted their executive office and no one will respond to me. It is illegal to hold someones for no reason and without communication. This is an emergency for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$230.00}XX/XX/XXXX ( Original Creditor : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XX/XX/XXXX XXXX Balance : {$26.00} ALLY FINCL XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I generated the credit report and I realized that they are charging me a credit card that I never processed. I went to the bank and they tell me that for the time they can no longer do anything that I have to call the company that bought the debt. 

The bank where the credit card is from is XXXX  XXXX and now where the debt is is Credit Collection Serv for an amount of {$520.00}, which I do not know where it was used and who processed this card on the date it was processed XX/XX/year> I hope you can help me since I have spoken with them and they only tell me that I have to pay it. I don't know if I should report it to you or to someone else.
Product: Credit card or prepaid card

The EIP Card issued by Money Network Cardholders Services website does not direct me to " How I can transfer money on the card to my credit union? ". 
The cfpb website doesn't have any information through any of its links to the EIP Card. The one source to help me from a cfpb website for transferring money to a personal account leads me to a NOT FOUND page.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is not allowing me to access my credit report or submit disputes on line.
Product: Mortgage

Multiple times ( no less than 5 times ) I have sent authorizations to this company for my wife, XXXX XXXX, to be able to speak with them about anything regarding my loan. Each time, they have ignored it - until a previous complaint when they responded that they now have it recorded and in their records that they may speak with my wife. When she called them today, they told her that they could not find any authorizations in their records. This is now appearing to be intentional on their part to not speak with the person I authorized. I have copies of e-mails stating that this was taken care of by them, but they are still not cooperating. I am on the XXXX all day long and the only person who can handle my questions and issues is my wife.
Product: Debt collection

Debt Collector : CONSUMER ADJUSTMENT CO ACCOUNT NUMBER XXXX XX/XX/XXXX I disputed with XX/XX/XXXX, which I received a generic automated response, stating the debt was verified and accurate. 

I sent the attached letter to Consumer Adjustment asking for validation. I have attached their email response and a copy of paperwork they attached. 

They failed to provide any answers to my letter that I requested. 

The unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( DEPTEDXXXX - XXXX, DEPTEDXXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

On or about XXXX XX/XX/2019, I received a phone call from an online casino company, called as XXXX which illegally processed my credit card with USAA ending with XXXX transactions through third parties located in China saying that there were chargeback initiated against those illegally processed transactions and asking me to pay them back for those chargebacks that those money laundering merchants for the online casino company accepted without disputing. 
I know the chargebacks were initiated by USAA as I reported those transactions as fraudulent charges. 
As there was no dispute against initiated chargebacks, I expected USAA to issue me a permanent credit for reported transactions. However, USAA instead reversed issued a temporary credit that it was issued for the fraud claim from XXXX XX/XX/2019. 
I contacted USAA on XXXX XX/XX/2019 to find out why USAA reversed the issued temporary credit, but USAA could not explain reasons. 
Since XXXX XX/XX/2019, USAA has not provided or explained reasons why they reversed the issued temporary credit of {$7000.00} at even my numerous requests. 
In fact, I submitted a complaint to USAA through the Federal Reserve as USAA keep ignoring my request for any documents or valid reasons for the reversed credit, and the Federal Reserve forwarded the complaint to the consumer financial protection bureau. 
I received a response from USAA for the complaint today which still doesn't provide what I am asking for. In fact, USAA copied their response from XXXX XX/XX/2019 against my initial complaint submitted on XXXX XX/XX/2019 through CFPB and pasted as their response with minor changes to my most recent complaint submitted. 
USAA failed to notify me officially when USAA initiated chargebacks, committed a fraud by holding accountable for the reported transactions after successful chargeback and failed to notify me officially the result of investigations or chargebacks.
Product: Credit card

The following credit card company has closed my account for some unverifiable reason : Barclaycard For general correspondence : Card Services XXXX XXXX XXXX, DE XXXX Customer service XXXX I have contacted them a few times and they have failed to respond back to me. I have also requested to be communicated via mail because that is one of my rights, they have also failed to communicate via mail and they are still calling me. 

I 'm requesting a full investigation on this issue because this is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$160.00} XXXX XXXX XXXX ( Never late on payments ) Reported : XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX {$280.00} XXXX  Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$300.00} There are no contracts, no valid claim ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and 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 items are 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 General 's 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-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation