23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX called Midland Credit debt collector @ ( XXXX ) XXXX to resolve a debt that was in collections. The balance of that debt was {$3100.00} was able to work out this debt with the collector supervisor ( XXXX ) and signed over the phone the settlement which was a {$2400.00} we agreed with XXXX payment of {$2000.00} on XXXX which went through and the second payment on XXXX of {$480.00} in which payment went through. I have all bank Statements and proof that this transaction took place with Midland Credit. In attempt to call them on Friday XXXX Talked to supervisor ( XXXX ) to question that I never received a confirmation letter or any number that everything was paid off at that point 7 days already had passed and I pulled my credit report and was showing late non-paid for the month of XXXX in which I paid all debt according to settlement agreement in the month of XXXX. All I want is to have this collections removed from my credit report ( ASAP ) and some type of receipt or confirmation to show I paid this amount we agreed on PAID OFF. I strongly feel that they are taking advantage of the good people that are actually trying to get there debts paid this collector is quick to try to sue people over these items.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment to be updated.

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

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

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


Update the late payments from my consumer reports
Product: Credit card

On XX/XX/2023 a balance transfer was sent from XXXX XXXX to XXXX XXXX XXXX XXXX in the amount of XXXX I contacted XXXX XXXX to inform them that the transfer was sent to the wrong account number. A representative from XXXX XXXX told me that the money would be sent back if the account number was not correct and they would be able to reissue that balance transfer. Months went by and I contacted both XXXX XXXX and XXXX XXXX XXXX and no one could find the money. Investigation after investigation and still no money was found. It is XXXX and now I have been paying two credit card companies instead of one.
Product: Checking or savings account

In XXXX of this year, I opened a high yield savings account with American Express after having received an offer from them to receive a {$350.00} promotion bonus after depositing {$25000.00} and keeping that minimum balance deposited for at least 3 months. I contacted American Express after opening the account to confirm my eligibility for this offer. My eligibility was confirmed at that time in XXXX, and I was told to call back in XXXX if the promotional bonus of {$350.00} had not been credited to my account. In XXXX, I called back and was told that the amount would not be credited until XXXX. Since then, I have called in a total of XXXX  times and have been given the runaround each time. Each of the last XXXX times I have contacted American Express, the agent confirms that I meet the criteria and that they are opening a research request with someone being assigned to call me back within XXXX hours. No one ever called me back after each of these contacts. My last XXXX calls were on XX/XX/XXXX and XX/XX/XXXX. On the XX/XX/XXXX call, I learned that a research request had not in fact been opened previously ; I spent XXXX minutes on the phone and demanded to speak to a supervisor. The supervisor ( XXXX XXXX, XXXX # XXXX ), informed me that the promotion was run by the cards department, not the bank. He indicated ( contrary to what the last agent had said ) that he had sent my information over to the Cards department on XX/XX/XXXX confirming my eligibility based on the banks criteria and is waiting to hear back from the Cards department to have them confirm my eligibility based on my card account criteria. He said that there is no established timeframe by which to expect the Cards department to respond. When I pressed XXXX for details, he mentioned that internally this matter was being tracked under case ID XXXX and that it needed to be actioned by the XXXX XXXX XXXX XXXX within the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX. I then made an attempt to call customer service for my XXXX XXXX XXXX XXXX and relayed this information to them. They had no record of a research request being opened with them under the case ID given to me. The Cards Department then opened a customer service complaint for this matter ( XXXX ). The Cards Department customer service agent I spoke with then attempted to reach our to the banking side on my behalf. At this point, this matter is still unresolved, and it is very unclear how or if any resolution will manifest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing several items on my credit report which is not correct and need to be removed ENTIRELY. I HAVE PROVIDED PROOF FROM THE COURTS ADVSIING TO HAVE THE ITEM REMOVED
Product: Mortgage

I have been trying for two years to sell my home. It is a toxic asset and needs to be let go at a short sell at the very least. I also qualify for a deed in lieu due to relocation, which I have twice been denied. I finally have an offer on the home ( first offer in two years ) and was again turned down by Ditech. 

I have received absolutely no guidance from this servicer on how to handle this home. I have stated repeatedly I am out of time, money and options and need help. Nobody wants to listen because up until very recently I was able to keep the mortgage current. Now I 'm behind and they finally want to talk, but only about my statement. They do n't want to talk about how to get rid of this property. 

There is an offer on the table. They refused to be of any help in finding out what I need to get XXXX to accept the offer. I 've only been able to speak with my actual account rep twice and she was of little help XXXX times. I ended up bypassing Ditech entirely and contacting XXXX directly where I learned about an additional resource to escalate the process of a short sell. I repeat - there is an offer on the table and Ditech was of no help in getting XXXX to accept it. 

To say Ditech has been a terrible communicator would be giving them a lot of credit. I am done playing games with them.
Product: Debt collection

Stellar Recovery recently reported a {$560.00} collection account on my  XXXX   XXXX  credit report. Prior to this account appearing on my report, Stellar Recovery never supplied me with a notice of right to dispute.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX XXXX dba XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX dba XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Experian or XXXX XXXX XXXX dba XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX dba XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked if I could close the account I didnt open it but they said they would do and investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the ITEMS listed below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : 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.
Product: Credit card

Re : Citibank/Home Depot Credit Due/Billing Dispute XXXX XX/XX/2024 I made a purchase for {$160.00} for a XXXX gallon of paint, paint which was never received. I called the Home Depot store and was told that I was going to be reimbursed for the purchase of {$160.00} + taxes. 

On XX/XX/2024 I made a complaint to Citibank regarding not seeing this credit dispute. A tickets was opened and on XX/XX/2024 I received correspondence that I would receive the credit in my account in XXXX billing cycles. I have yet to see that credit on my account. 

I want the company to credit my credit card immediately.
Product: Mortgage

The Money Source contacted me about doing a reversed mortgage. They stated they were certified etc., I had the notary come over and even did the credit counseling. Strung me on for 4 months kept saying I would receive funds on my home. Never told me that my student loans would effect me. And they are deferred. So I was lead on for 4 months to believe that I was able to get it. They falsified their information with me, they did not do their diligence in research to see the property was not even FHA/HUD approved! This could have eliminated all hopefulness on my part, believing I was getting my house payment removed from me alleviating stress but put more stress on me.
Product: Credit card or prepaid card

US B ank closed my account ending in  XXXX  ( which was changed to card ending in  XXXX  ) when I filed a chargeback they didnt agree with.   My interest rate was close to 14 %.   Since they closed the account they arbitrarily changed the interest rate to over 20 %. Please see the statement.   While they can close the account, they certainly cant change the interest. This is fraud and I want the excess interest refunded to this closed account.   I have been making a very good faith effort to resolve all accounts in full even thought we disagreed about the amount. However i will not stand for manipulation of the interest rate without my consent.   They closed the account. It must be at the 14 % rate
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM WRITING TO UPDATE/CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 
PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY NAME TO : XXXX XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XXXX XXXX MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. 


SINCERELY, XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account back in XX/XX/2022 and said the funds will be held for 180 days, and then they will send me an email to retrieve the money. 

However, it has been 180 days but I haven't heard back from PayPal yet. I have over {$2600.00} in my account.
Product: Debt collection

Mariner Finance is relentlessly contacting me via phone calls.They call sometimes multiple times a day as often as 6 days a week. I have explained my financial situation to the company multiple times. I do not dispute the validity of the debt at all. However, being haraased continuously is not going to make me be able to pay them any faster without the funds to do so. I even attempted to block them from calling my cell phone. This was to no avail as they are still able to call from the blocked number repeatedly and leave repeated voicemails.
Product: Debt collection

COLLECTOR KEEPS CALLING MY CELL, FAILED TO VALIDATE SAID DEBT, WENT ON CREDIT REPORT WITHOUT VALIDATING AND ZOMBIE DEBT. 

SEVERAL VIOLATIONS OF DODD-FRANK ACT.
Product: Mortgage

I have received numerous solicitation calls for refinancing after asking to be placed on the do not call list. on XX/XX/19 an associate from Global Equity Finance ( XXXX ) reassured me that he can lower my monthly mortgage payment and that all he needed to do is ask me several questions. I answered his questions then he said I will run the numbers and call back. Within minutes I received a notification that my credit file was accessed although I did not give consent for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX   XXXX '' and " RE-INSERT OF XXXX XXXX XXXX ''. Supporting documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a reply to XXXX XXXX XXXX, XXXX 's ( XXXX ) response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that XXXX had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, XXXX signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX XXXX Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. XXXX filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why XXXX believes the loan first became delinquent in XXXX 2012. 2 ) Why XXXX believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 The company Checkr is submitting a background report that is not accurate and they have done this numerous times. I have contacted them through e-mail and phone to try to correct the matter and they will not fix it. They are reporting that there are restrictions on my drivers license and this is stopping me from being able to rent a vehicle for work. There are no restrictions on my drivers license. Please help me get this resolved.
Product: Credit card or prepaid card

A credit card reporting on my credit report. When I call to get information, Best Buy is unable to locate my account by name, social, email or phone number. Not being able to identify or resolve this account in either way is hindering me from home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The two companies are Acima Credit and XXXX, they were removed from my credit reports and appeared back without my notice from the Credit Bureaus which is against the law according to my consumer FCRA Laws. Please have these two accounts removed ASAP!
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 reporting 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. 

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 1692C 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 the collection of any debt. 

XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX, NC XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX  Inquiry : XXXX XX/XX/2020 Collecons XXXX XXXX XXXX XXXX  XXXX Experian Employers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 

Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, NC XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX