23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened an account with XXXX about a year ago. Prosper Mastercard is issued by XXXX XXXX XXXX 
Over the course of the year my credit score increased at least XXXX XXXX and my credit utilization dropped below 10 %. Still Prosper did not increase my credit limit over the course of the first year. I believe having the Prosper account wasnt serving any benefit for me and so I decided to close the account XX/XX/XXXX. I closed the account on that day rather then wait and be charged for an annual fee. Shortly thereafter I viewed my account statement which showed a {$39.00} annual fee and listed XX/XX/XXXX to XX/XX/XXXX as tdates of service. I immediately wrote prosper and told them I was charged an annual fee on an account that was closed and not open or present during the listed dates of service. I received a response from prosper stating that the annual fee is not returnable after the first year. I wrote them again to emphasize that the account does not exists during the time or dates that you state on the statement for which you charge me
Product: Credit reporting or other personal consumer reports

( MY PHOTO ID SHOWS MY OLD ADDRESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT LIVE HERE ANYMORE. I WILL UPDATE MY PHOTO ID TO MY NEW ADDRESS AS SOON AS POSSIBLE TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI HAVE DISPUTED SEVERAL ACCOUNTS THAT ARE INACCURATE ON MY CONSUMER REPORT. ALL OF THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE, AND XXXX ACCOUNTS ARE ALSO PAST THE STATUE OF LIMITATIONS AND PAST THE STATUE OF LIMITATIONS FOR COLLECTION IN MY STATE. THESE ARE CLEARLY VIOLATIONS OF MY RIGHTS UNDER THE FCRA. THE ACCOUNTS ARE INACCURATE, UNVERIFIED AND MUST BE DELETED OR I WILL HAVE TO PURSUE OTHER AVENUES TO BE COMPENSATED AND HAVE THE ACCOUNTS DELETED FROM MY CONSUMER REPORT IMMEDIATELY. DELETE THESE ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN THE 3 CRA 's & LATE PAYMENTS IN THE PAYMENT HISTORY. THESE ACCOUNTS ARE NOT LATE AND MUST BE UPDATED TO PAID AS AGREED. PAID ON TIME IN THE ENTIRE PAYMENT HISTORY. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus via XXXX but only received my report from XXXX in which I found a judgment from XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Experian make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.
Product: Mortgage

I am requesting with great dissolution, pain an anger a review of my financial documents for a work out plan that would be affordable.. I am XXXX and my hardship began XX/XX/XXXX when th e economic became horrific. The economy faltered and my business fell. This was the beginning of our struggles. The reduction of income and increased expenses. In the midst of the economy downfall our property taxes went up adding to our expenses. Shortly after I was XXXX. I was no longer able to perform to my job capacity after the accident as a XXXX. I am now recuperating and business is increasing slowly. 
Our mortgage is upside down, the values around have taken from when we bought our property. Refinancing was and at this point is not an option. We have taken distinct steps to better our financial situation. We 've cut back our household budget, eliminating some debs and no credit cards. We heve provided to Caliber homes our financial documents asking for a modification with no success. We have just found out that our house has a sale day of XX/XX/XXXX. I am devastated it and asking for your assistance I want to maintain my home. It is not a palace but is the home that my wife and I have struggled for. All we are asking Caliber is to extended the terms, lowering the rate and adjust the principal balance will make our home definitely affordable and sustainable. 
I hope, you all consider my request. 

I
Product: Money transfer, virtual currency, or money service

Iv previously written a complaint in regards to the negligence on behalf of my bank when depositing a check from a home owner.

Complaint numberXXXX I recently recieved a letter dated XXXX days ago! In this letter it clearly states they knew there could be a potential problem with the check. I was never notified of any potential problem. I should of been immediately notified so that I could do my part and reach out to the home owner and check issuer well before any problem arose! This is illegal to say the least. I should of immediately recieved a phone, an email or at the very least and expedited registered letter. I cant even believe this is a thing! In the meantime there very vague and uninterested response also out lines a very real problem with this banks policies and departments responsible for the safety of business and the funds it takes to bolster said business!
Product: Debt collection

I have reached out to this company on XX/XX/2020 ago regarding documentation for validation of this debt and how it belongs to me. company has never responded but continues to collect on it pass the FCRA rules of responding with validation within 30 days. This is unfair and damaging to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint to block information identified as identity theft and there is information that is still not blocked. I filed the complaint with XXXX, and XXXX on XX/XX/2022, and with Equifax XX/XX/2022. The complaint numbers are : XXXX, XXXX, XXXX. The companies have removed some information but there is still information as a result of identity theft on my report. DO NOT FILE A DISPUTE ON MY BEHALF. As this is not a request to dispute, this is a request to block information on my consumer report. 

I have called countless times to resolve this matter and only small success. The companies do not have my consent to report anything on my consumer report. I will attach the original FTC report and documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law.

You 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available 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.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Mortgage

I refinanced my home with Amerisave on XX/XX/2020. The process took well over 90 days. At the beginning we were given an esimated closing cost of {$12000.00}. When we finally closed on the loan, the fees went up to {$13000.00}. The additional cost was due to the interest rate extension. 

During this process the bank asked us over and over again for the same documents which we provided in a timely manner. They switched loan officers and underwriters several times delaying the review of our file. WE SHOULD NEVER OF PAID EXTRA FOR THE RATE EXTENSION. I am filing this complaint today to get my money back. They owe us {$780.00}, plus they rolled it into the morgage which means we'll pay interest. They baited and switched us, delayed the financing of our home and cost us additional interest with our other banks. We were told the process takes between 30-45 days, with 60 days being worst case scenerio. They kept blaming my self-employment status for the delays. I know several other self-employed that closed on a timely manner with other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following XXXX Accounts below have violated my rights.

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account Name Account Number 1. XXXX  XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXX XXXX 3. Us Dept Ed XXXX 4. Us Department Of Edu XXXX 5. U S Dept Of EdXXXX XXXX 6. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've asked for these inquiries to be removed as they're not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested a free copy of my credit report at XXXX, upon receiving this report, I noticed quite a few addresses amongst other that were either outdated or places that I have never lived. I contacted Equifax and XXXX to address these matters. Equifax basically indicated they won't remove and/or update the information as it was reported to them and I should contact the companies that provided the invalid and/or inaccurate information. I did advise the agent that according to the FCRA my rights are being violated by them reporting invalid and inaccurate information. I also attempted to resolve the matter by submitting dispute requests on both bureaus websites only to receive information either the same day or next day that the information was verified or updated. In such case I am unsure how an address that I have never resided could be updated or verified.
Product: Credit reporting or other personal consumer reports

remove all negative items immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Debt collection

Talked to CFPB previous rep, told them I requested verification of debt from XXXX XXXX XXXX, XXXX and told rep I would put in complaint about debt collector after their response to verification. 

I asked above mentioned collector questions : What amount owed? 

Copy of written agreement that created my original requirement to pay? 

Provide verification and documentation about why this is a debt that I am required to pay. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statue of limitation expires for this debt, how you determined that. 

Does your firm have a debt collection license from my state, city etc. If not, why not? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Please give city license number. Under law do n't you have to have this city license number? 

Stated before and in the verification letter for you to threat this debt as being in dispute and discussion. 

Let me know if you are prepared to accept less than the balance you are claiming is owed. Tell me in writing your offer with the amount you will accept to fully resolve the account. 

In your response letter after me asking for verification you do not acknowledge my rights under the FDCPA in that letter. 

You are not treating our conversation as dispute but a legitimate debt that you have the right to collect under the law. 

Deceptive and unfair practices to collect debts are not allowed. Your name XXXX XXXX XXXX is not a formed entity in the Alabama Secretary of State 's files. No formation place, date and date qualified as a corp, no agent, no agent address which is required by law. 

You have n't proven by your response to me that you even exist nor answer the questions above. 

Account XXXX did n't exist when debt began. 

Resolution : Quit collection of this case. Fine for misrepresentation whoever made up company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : CAPITAL ONE BANK USA, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00} CREDITOR : CAPITAL ONE, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00}
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX, 60 days late as of XX/XX/XXXX, and 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has dropped my credit score by 70 points in one month. I pulled credit report with them and XXXX there isnt anything that has changed in months. Cant get thru to anyone to talk to. So I would like some help.
Product: Debt collection

I have received NUMEROUS calls from ( XXXX ) XXXX that threaten legal action with no information regarding who I owe, what the debt is, what the amount is, etc. They have also contacted my son, my employer, and my daughter 's place of employment. This is harassment, plain and simple. I tried to call them back and received a recording that I did leave a message on requesting information via US mail and to cease and desist with the phone calls. In the recording they list their company as GCAB. An internet search for that company pulls up a very sketchy looking website.
Product: Money transfer, virtual currency, or money service

I started a direct deposit to cash app in XX/XX/year>. Every two weeks {$51.00} was deducted from my payroll and deposited into my cashapp account. This went without any issues until this XXXX. XX/XX/XXXX and the XXXX the money was deducted from my pay but never showed up in my cashapp. So I contacted them and they keep giving me generic answers and have escalated my complaint several times but still no money. So I had my payroll department put a tracer I the transactions and sent it to cashapp and still getting generic answers
Product: Debt collection

This is inaccurate, the payment status, it is not reported consistently across the bureaus. Also the payment history is not clear as to when is the payment ok or not.
Product: Debt collection

Back in XXXX, XXXX a judgement of {$6800.00} was added to my credit report by Cavalry SPV I , LLC. I had no idea that this case was going on. A year later the judgement was deleted from my credit report then in XXXX XXXX decided to start reporting the {$6800.00} and then added {$740.00}. I called the company and they gave me the run around about the account. I 'm in the process of trying to buy a home for my family due to my son needing special rails in the house. I 'm seeking to have this removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items that were reporting my Experian consumer profile back in XXXX, and the bureaus received the documents in the month of XXXX. I also filed a consumer complaint that can be referenced back to, XXXX, on XXXX XXXX. Experian has violated my consumer rights. I am attaching supporting documentation to this complaint.
Product: Checking or savings account

I have bank of america account since 2022, I always worked with them, It is my priority account all my checks that i receive from my employer I always deposited, I always paid my credit cards. All my bills I paid from my account. Today i have scheduled auto pay to my car lease and they closed my account I cant process it. Also I receive my check that I need to deposit to pay my home rent and bills now they closed and I cant do anything. 
And they telling its their decision without providing reason. Im so upset because I dont know how I gon na pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I was notified from credit karma that my express credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name isXXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.