23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I went through a divorce XXXX years ago and right away listed my home because I was not able to make my payments on XXXX income. It is being listed as a short sale as my home is worth half of what I paid for it. I have had an offer on the table for XXXX months and the bank refuses to accept it. It takes them months to respond and they come back asking for more then it takes them more months to respond to the buyers counter offer. The buyer had not low balled, they have given a decent offer and the bank is still just sitting on it,. We have no other offers, no showings ( home is not in a great neighborhood ) I continue to up keep the property and pay utilities even though I am not living there. I filed a complaint with my senator and the bank claimed that I have not handed in all the paperwork. A complete lie. They have everything they need. My realtor has saved all documents that have been sent since the very beginning in 2012.XXXX years of this is absolutely ridiculous ... .we will lose these buyers and the house will sit and rot ( it would have already If I had not kept things up ) if the bank does not accept this fair offer now.
Product: Debt collection

Bank of America sued me without proper notification. Bank of America never made an attempt to talk with me and to understand my situation and to work with me. I had an ongoing relationship with Bank of America for 22 years and a history of paying my debt. I a carried full outstanding balance on the credit card for a number of years, used all my savings from my XXXX K and made every attempt possible to honor my debt. Bank of America used its unlawful collections practices to freeze and delay my employer payroll salary payments to my Bank of America checking and savings account. I closed my personal checking account with Bank of America due to its tying process with Bank of America credit card collections group. Bank of America used it resources, power and reach to pressure my family and I and threatened our financial well-being with its unlawful collection process. By knowing and having access to my checking and saving accounts it collaborated with Bank of America Credit card debt to find ways to crush my family and I financial well-being in unlawful ways.
Product: Debt collection

I have reached out recently on today 's date XX/XX/22 in reporting identity theft on my credit from TD bank of an Indenifty theft impersonator that had opened a credit card and account using my name to do so, I did talk with TD banks customer care fraud department representative to resolve the matter personally as I haven't opened a credit card with them in person or online. Did not give me a clear date when the issue with my credit identity fraud would be resolved just that it will be reported. Also in note i only use one bank debit card from XXXX bank as my only and current card for any financial deposits and withdrawals What was recevived by me by mail today was a credit overdraft statement from td bank Amount due back to TD bank still was XXXX beginning balance was XXXX desposits XXXX electronic deposits XXXX other withdrawals XXXX service charges XXXX ending balance was XXXX
Product: Credit reporting

XXXX is reporting to ( Experian ) which they have n't verified the debt that I owe Account # XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported in to be removed.

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. 


XXXX XXXX XXXX XXXXXXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting

XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX, GA XXXX XXXX Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX and XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file complain to the CFPB I sent a letter explaining the situation. 

All this accounts have been process and closed in XXXX not in to XXXX and the discharge date was XXXX not XXXX. 

In addition it has been 8 years seen this Loan were reported to the Credit Bureau. 

My Understanding was that Art institute took XXXX loans and the XXXX of XXXX XXXX and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I 'm requesting this loan to be remove from my credit report. 

I have enclosed copies of all my records correspondence. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Against : TransUnion Subject : Failure to Remove Inaccurate Address Information I am filing a formal dispute regarding the continued reporting of an inaccurate address on my credit report by TransUnion. Despite repeated disputes and providing the necessary documentation, neither credit bureau has removed the incorrect address or updated my information. This issue has persisted since XX/XX/year>. 

The inaccurate address that I have been disputing is : XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 

The accurate address that I have been requesting to be reflected is : XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 

To support my dispute, I have submitted the following documents to TransUnion A valid photo ID showing my current address. 
A utility bill reflecting my current address. 
A Social Security card to verify my identity. 
Despite submitting all necessary documentation to prove my identity and the accuracy of my current address, Transunion has failed to comply by updating my information and removing the outdated address. 

This failure to update my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus have not followed reasonable procedures to ensure the accuracy and completeness of the information they report. The continued reporting of an incorrect address violates this provision. 

Section XXXX ( XXXX XXXX. XXXX ) When a consumer disputes an item on their credit report, the credit reporting agency must conduct a reasonable investigation. This includes verifying the correct address when provided. My repeated disputes have not been adequately investigated or addressed, which constitutes non-compliance with this section of the FCRA. 

I am fully aware of my consumer rights under the FCRA and expect that the credit bureaus comply with their obligations to provide accurate information. Therefore, I am requesting that TransUnion immediately remove the outdated address from my credit report and update it with my correct address, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX.
Product: Checking or savings account

I XXXX a leading company and then I request my money back. They wouldnt give it back. I tried to get it back from XXXX and XXXX said they dont give money back.
Product: Credit card or prepaid card

On XX/XX/2023, I received a message/alert on my phone that my credit card was reported stolen and the card was closed. I did not report my card as stolen as it was safely in my wallet and hadn't moved. I called the company same day ( Prosper ) to report the incident as a mistake/error in their system and asked for my card to be reactivated. They said they would and to give it 7-10 days. Nothing happened, my card was still showing closed. I called back weekly, every time I was told they were escalating the issue and they would re-open the card. Nothing happened. XXXX came and went. XXXX I saw that they completely removed the CC from my online portal. It said I had no cards with them. I called again the first week in XXXX and asked what to do to find a solution? They said they would re-issue a new CC and mail it to me in XXXX days. It's XX/XX/XXXX and still no card showing online and nothing came in the mail. I called today and they said no replacement card was ever ordered and I need to process a replacement all over again. It's been almost 2 months with no resolution in sight and I'm at a loss with what to do? I haven't been able to use my credit line and I never did anything wrong. The card was paid off and in good standings. Please help.
Product: Other financial service

I received a letter in the mail from Sofi or Sofi.com to cut my interest rates and help reduce debt. At the bottom there is an opt out number to call : XXXX. When you call it describes that this the CFPB number to opt out of these offers and ask for your social. I know that CFPB would not ask for you SS # over the phone and this is a total scam. Please investigate and shut these people down.
Product: Debt collection

On XX/XX/XXXX, I received a suspicious email from Midland Credit Management XXXX XXXX ( MCM ), a debt collector stating they were trying to collect on a XXXX XXXX  debt allegedly owed to MCM. According to MCM, an XXXX Card Account through XXXX XXXX  was sold to Midland Credit Management on XX/XX/XXXX. As a result, MCM, a debt collection company, would be collecting on and servicing my account. Per MCM, a XXXX XXXX  ( XXXX ) account was charged off on XX/XX/XXXX. However, according to my records, I received a credit card statement on XX/XX/XXXX, from XXXX indicating that a minimum payment of {$260.00} was due on XX/XX/XXXX. A payment of {$140.00} was made on XX/XX/XXXX. On XX/XX/XXXX, I logged into my XXXX Credit Card account through XXXX. I received the following message, " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' I was provided several payment options, including making a stay payment of {$18.00} to prevent further collection activity. I made this payment of {$18.00} and received the following confirmation, " This is a confirmation of your one-time payment authorization made on XX/XX/XXXX to XXXX XXXX  . Please save a copy of this for your records. XXXX XXXX  will apply this payment to your XXXX Credit Card account and, pending final authorization from your bank, a single XXXX electronic debit in the amount of {$18.00} will be deducted from your bank account on XX/XX/XXXX. It XXXX take XXXX additional business days to complete the funds transfer. '' However, on XX/XX/XXXX, I received an email from MCM indicating that my Express Credit Card account had been charged off on XX/XX/XXXX, and sold to MCM on XX/XX/XXXX ( a day after the payment authorization of XX/XX/XXXX for the stay payment of {$18.00} ). On XX/XX/XXXX, I logged into my XXXX Credit Card account through XXXX  and again received the following message, " " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' My options were to make a past-due payment of {$150.00} or the minimum due of {$180.00} on XX/XX/XXXX. I scheduled a payment of {$180.00} to be deducted from my bank account on XX/XX/XXXX. I closed my Express Credit Card account on XX/XX/XXXX, due to the economic impact of XXXX and the difficulties I encountered with obtaining account protection benefits through Account Assure. A previous complaint was filed with CFPB against XXXX ( XXXX ) and the Account XXXX program. Last XX/XX/XXXX, I again encountered difficulty making payments through the XXXX website due to technical issues on their end.
Product: Debt collection

My ex and I were divorced a few years back. As part of the divorce procedures we closed or removed one another from joint credit card accounts, however I now learn that the company in reference refused to remove my name as an account holder ( he was the primary account holder ). 
My ex continued to use the credit card without my knowledge and recently accumulated debt and decided to file for bankruptcy. The account in reference was included in the filing. 
Through a third party ( I was notified that one of my accounts was closed by another creditor due to adverse information on my credit report ) I learned that the creditor transferred the debt to me and reported the delinquency and amounts due as my debt. Numerous attempts to explain the situation and misunderstanding went unanswered. 
At this point the debt that he is responsible for ( I never even held a card for this account since the divorce ) is dismissed as part of the bankruptcy procedures and I am now made liable, my credit score adversely and very negatively affected, yet I can not do anything to resolve this misunderstanding. Since I have no knowledge of the account, all I know is what is reported on my credit report. I never received a statement and no collection attempt was made. The creditor can not show proof / contract that I am liable for the account - all they claim is that since my SSN and DOB ( which needless to say is information my ex had knowledge of ) are correct in the system, I am indeed liable and refuse to remove the adverse report against me.
Product: Mortgage

The loan modification was submitted to the lender on XX/XX/2017 - the lender is refusing to review the file due to an upcoming sale date - The lender is in violation of RESPA, they accepted the package and have refused to postpone the sale date to allow the review to take place.
Product: Credit reporting or other personal consumer reports

15 USC 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 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 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Product: Credit reporting, credit repair services, or other personal consumer reports

between XXXX XX/XX/21 I opened a dispute with experian against XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/21 i received notification that the dispute results were ready for XXXX on their website it stated that XXXX provided them with proof that they had a right to collect a debt that is over XXXX yrs old. i found this to be odd because i sent XXXX XXXX certified validation of debt letters starting XXXX. with no response from this company, I then called experian to see if they could provide me with that information since i've been trying since XXXX to get proof that they are who they say they are, however i did not get that info. a experian rep stated that XXXX did not provide any paper work showing that they have a right to collect any debt from me and that they just took their word for it. 

that is just mind blowing!!! if i am a consumer and i require that you provide proof, how in the XXXX is a national company just taking a debt collector 's word as accurate. Are you serious!!? i recently had another debt collection company contact me trying to collect on a student loan. unbeknown to this vampire i had already validated who my debt was with and you can bet your XXXX it was not with the company that was calling. 

I'm telling this story to say this. it is clearly easy for scammers to get your social security number and place items on your credit report. if the credit bureau 's are just taking someones word as gospel, it's so alarming and beyond idiotic!!. also experian makes it so difficult for consumers to dispute any items. you're only allowed to upload XXXX of proof ( XXXX documents ) and explain the issue within XXXX sentences. they're clearly not doing they're jobs. but i'm hoping that you will!!! they should be investigated and fined for the things they are doing or rather the things that they refuse to do to protect consumers. 

experian are not investigating these companies they closed the XXXX XXXX dispute, I still dont understand how when they are on the list as a predatory lender. 

P.S. i have attached the validation of debt letter that was sent and XXXX Response that i finally received after i filed an ftc complaint and you tell me if You think this is acceptable.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX - XX/XX/year> XXXX - XX/XX/year> The following inquiries were not and should not be reporting. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few years I have tried contacted the credit bureaus to dispute several accounts on my credit report that belong to my twin brother. I was responded to with saying those accounts are mine. My equifax report has mine and his name on it. It should just say XXXX XXXX. I also have several collections, a car note, and a personal loan being reported on my equifax report that belongs to my twin brother and not me. I have not cosigned for anything for him as I can not get any line of credit because of the mix up of our credit.
Product: Credit card

Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 

The following accounts are fraudulent : XXXX. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.
Product: Vehicle loan or lease

XXXX. XXXX, XXXX I have attempted to have this debt removed from my credit report several times, several ways and Im attempting again. Please find enclosed my last attempt with XXXX Confirmation # XXXX. 

Here is the story : I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, Michigan. 

The Finance company was ALLY Financial. I then re-sold that XXXX XXXX back to XXXX of XXXX XXXX for my current vehicle a XXXX XXXX XXXX XXXX. During the so-called payoff, XXXX XXXX XXXX Ally Financial {$71.00} at the time and was 16 days late making that payment. I have Enclosed a printed Live Chat conversation between myself and a lady named XXXX representing Ally Financial. It is my opinion that I am not responsible for this debt. XXXX XXXX is. I do not own that XXXX and when I was purchasing it every single payment was early or on time. This debt should not be Included in my credit report. I have a very, very poor relationship with this dealership and have attemped to clear this matter. Obviously XXXX did not thoroughly investigate my claim. 

Im asking that this is removed from my credit report it is not my debt, it belongs to XXXX XXXX XXXX XXXX, Michigan. 



Sincerely, XXXX XXXX
Product: Credit card

Hello I am writing to express my concern regarding an ongoing issue with the orthodontic services provided for my son by the XXXX XXXX in XXXX XXXX XXXX, and the subsequent financial dispute with Synchrony Bank. 

On XX/XX/2023, I opened a Credit Care account with Synchrony Bank to finance the orthodontic services provided by the XXXX XXXX. However, on XX/XX/2023, I informed the XXXX XXXX of our impending relocation from XXXX  to XXXX. At that time, I requested assistance in finding a new orthodontic provider in the XXXX, XXXX area and discussed the possibility of receiving some form of monetary compensation for the services yet to be rendered by the new provider. 

Unfortunately, my requests were met with resistance. The XXXX XXXX neither provided any referrals to orthodontists in XXXX  nor engaged in any discussions regarding potential compensation. Feeling left with no other option, I approached Synchrony Bank in XX/XX/2023 to request a refund of {$1500.00}. 

Despite my efforts, my dispute has been refused three times by Synchrony Bank, each time with the justification that the merchant ( XXXX XXXX ) is working directly with me. I have repeatedly informed Synchrony Bank that the XXXX XXXX has been uncooperative and dismissive of my calls, viewing them as a nuisance rather than a legitimate customer concern. 

Caught in this predicament, I find it unjust to be held financially responsible for services that were not rendered. In the interim, I have had to seek out and secure continued orthodontic care for my son independently. 

Enclosed, please find the record of my communication with Synchrony Bank, along with the breakdown of my contact with the XXXX XXXX provided by the bank. 

I kindly request your assistance in resolving this matter and look forward to your prompt response.