23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated. 

On XX/XX/, I discovered that XXXXPROSPER MARKETPLACE INC had sold my debt to XXXX XXXX XXXX and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive. 

I am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that XXXX XXXX XXXX XXXX have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXXPROSPER MARKETPLACE INC may have violated the FCRA by inaccurately reporting my debt after reopening the account. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation. 

In addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities. 

I appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information. 


Sincerely, XXXX XXXX
Product: Credit card

It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant XXXX XXXX XXXX, and I earnestly hope for a swift resolution.
Product: Credit card

During an Amazon transaction in XXXX I applied for a an Amazon card which was stated it would be processed for approval immediately and provide a discount on the current purchase. In spite of an excellent credit rating, it was stated my credit was questionable and the application would not be immediately processed. This is clearly a bait and switch to get applications. Several weeks later, I received a card ( XXXX/XXXX/16 ) with a credit line far exceeding that requested. Further terms arriving with the card state ALL of my information could be shared by Chase after my card was open for 30 days, that I could NOT opt out, and that this would continue to apply even AFTER the card was closed. I immediately called to cancel before the 30 days was up, as they left me less than a week to review and respond. The representative tried to XXXX me into talking to a reprentative to " address my concerns '' and manually opt me out " if really an issue '', which contradicts the written terms stating no verbal greement is binding. This entire process is clearly designed to deny applicants information and to narrow the response window to reject the terms for the sole purpose of seizing control of customer information, even if the applicant *doesn't* take the final step of making the call to activate the card. From what I see in the paperwork, which was largely confirmed by the representative, you can halt the siezure of your information *only* by cancelling prior to the 30 day window you are n't informed of for 23 days. 

This is abusive and unacceptable.
Product: Credit reporting or other personal consumer reports

This is another complaint in a series of complaints after XXXX, Equifax and XXXX have been willfully noncompliant when it comes to accurately reporting in my consumer credit report. 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. Equifax and XXXX are consumer reporting agencies and I am the Consumer. My right to ensure my private information isnt shared is backed by 15 USC 6801 which states It is the policy of 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, XXXX, XXXX XXXX, and XXXXXXXX XXXX are financial institutions by definition under that title.15 USC 1681 section 604 a section2 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 who it relates. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  the financial institutions and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXXXXXX 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, XXXX, XXXX XXXX, and XXXX XXXX never informed me of my right to exercise my nondisclosure option. 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. These accounts are adverse items reported again without my permission which is against the law. 15 USC 1681 s-2 ( A ) ( 1 ) 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 USC 1681 e 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. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR section 1016.7 states that A consumer may exercise the right to opt out of at any time. I am opting out of your reporting services.
Product: Credit card or prepaid card

Disputed credit card charge of {$2200.00} dated XX/XX/20 ; provided 34 pages of documentation to support dispute ; The host refused to close and lock the doors to her home during the pandemic despite my repeated requests, even when I informed her I I suffered form XXXX  and XXXX XXXX. Chase response was " decision was not decided in my favor. '' ' they were required to provide documentation rebutting my dispute ; didn't supply direction on how of the lengthy of time I had to appeal decision. I filed a complaint with the CFPB. They responded by requesting my information for review and the additional information I wished to submit. I further added, that XXXX   never presented my documentation to the host to respond to nor did XXXX respond to the facts that I was NOT able to leave the host 's home while I felt it was unsafe because they failed to respond to my website messages and urgent safety messages ( which I provided them copies of ) for 6 consecutive days. Their policy is " if there is a safety issue with a guest, XXXX  will relocate the guest to another location of equal or greater value. '' Since there was no response from XXXX was forced to remain in unsafe home, with a host who refused to close the doors to her home and lock them, during the pandemic, despite my repeated requests ( all presented to XXXX  and Chase in writing, Chase 's most recent response to my appeal repeats their first response AND then states " it may or may not be to late to review your case again even if what you state is accurate. ' This nebulous response is exactly condescending language which has been directed towards me and the failure to follow the Fair Credit Billing Act rules and procedures.
Product: Debt collection

XXXX   XXXX   2017  I was threatened with contempt  by Kohn Law fi rm  XXXX     2017  I was served with a Garnishment and Demand for person al Information From Kohn Law f irm to My employer  XXXX   XXXX  Kohn Law firm Is attempting to force my employer to Pay my Debt and levy any and all personal Property and is not satisfied  XXXX   XXXX  Kohn Law Firm Demands admission From My employer and threatens Litigation
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Capital one has never contacted me in regards to sharing my personal information nor have they ever given me any information on how to opt out i have requested capital one to remove the charge offs and the late payment information from my consumer report multiple times as that is personal information and they have yet to comply with anything i have asked of them but now i know they are directly violating my rights. Then remedy for this is for capital one to remove all charge offs from my consumer report as well as all late payment information repossessions of any kind as it all falls under personal information
Product: Money transfer, virtual currency, or money service

I have sent money through zelle and it didnt ask was i sure i was sending money to the right as its supposed to i have been scammed through zelle as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification by Equifax that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from Equifax. I was advised that the accounts was open in XXXX with a company called XXXX. I never open this account in XXXX and why it reporting that this account was open in XX/XX/XXXX. This account is a FRAUDULENT ACCOUNT. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report. 

1 ) XXXX {$340.00}
Product: Credit reporting or other personal consumer reports

Hello, In XX/XX/XXXX I assisted a client in setting up a dish network account for their rental property in XXXX, XXXX. They were having issues getting XXXX to recognize the service address due to it being a private road. 

During the process we asked to add me as an authorized user on the account so that i could help with them getting the address setup properly for the service to be setup. I was unaware that they had used my name has the primary billing account holder for the account. 

I was contacted in XXXX due to a debt that had XXXX created due to the client discontinuing service & failing to return the equipment for the account. I had contacted the client who was unaware of this & they paid the remaining balance & returned the equipment. 

The clients name is XXXX & XXXX XXXX ( they are mother/daughter ) and the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX but it's a private road with just their camp ). I have explained this to dish network & to Transunion and neither has been willing to help.

This has caused my credit score to drop XXXX points ( my score should be around a XXXX & I am currently having to pay much higher interest rates for something that i have nothing to do with ). 

I would be grateful for any help in resolving this & for the record ; I have never lived or had any mail sent to that address. 

Thank you for your time, XXXX XXXX
Product: Credit reporting

I have tried to obtain a report from the agency to dispute this information. While I can obtain it on XXXX XXXX and XXXX, I can not get it from the agencies themselves to dispute the information. I have sent it in writing to the agencies, however I have not received a response nor have the issues been corrected.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I purchased XXXX amex e-gift card ( XXXX card with {$50.00} and the other card with {$25.00} ) and they said I can use them online in any store. A few days later i tried to use it in XXXX and they decline the card. Also I tried to use it in XXXX and XXXX online and the same issue they did not accept it. I feel that I have my money stuck on those cards cause everytime im going to pay with it the merchant doesnt approve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Federal Law, ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 U. S. Code 1602 ( l ).

This account is associated with my card ( social security card and it identification card and therefore under Federal Credit Reporting Act 15 U. S. Code 1681 ( a ) under the Exclusion section ( b ), any authorized or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report.
Product: Credit reporting or other personal consumer reports

Refuses to to update address to current address even after receiving ID and 2 year lease agreement
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX /XX/XX/XXXX - DIFFERENT BUREAUS IS SHOWING DIFFERENT LATE MARKS!!!! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I XXXXXXXX XXXX XXXXXXXX Currently have some fraudulent inquiries appearing on my credit reports. I have listed all supporting documentation below. 


XXXX XXXX XXXX  Inquired XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX
Product: Checking or savings account

I opened my first Sofi savings account on XX/XX/year>. At the time, the interest rate they were offering was 4.9 % ( now 4.0 % ), which was not the highest of anyone else, but still good. The additional incentive, and the reason why I went with Sofi, and not a competitor, was the {$300.00} bonus offered for {$5000.00} or more in direct deposits from employers, if received within 25 days. I have both a full-time, W-2 job and a part-time independent contractor job that pay me on a regular basis. By 10/25/24, I exceeded the {$5000.00} in DD 's within 25 days requirement.

But after the 25 days, Sofi only credited me {$50.00}, which is basically the bonus for anyone who meet the requirements for receiving the {$300.00}. I saw this and thought that it must be a mistake, so I contacted Sofi Customer Service. They said that they had created a case and needed two weeks to investigate my issue. Well, two weeks came and went, and there wasn't any follow-up from Sofi to me whatsoever. So I called in, and was told that the investigation had concluded and that I would not be receiving the {$300.00}. The reason given was that my payments from by contracting work looked more like payments than direct deposits (!!? ). Somehow, the payer 's bank had coded them differently from what Sofi wanted.

But I could prove that these were indeed payments for work performed. So Sofi asked me to send in a check stub equivalent, which I then did. The Accounts Manager who was referred to me then said that she would request an exception to their decision, and that I would see a credit " within 1 to 3 business days. '' Well, those days also came and went, also with no follow-up received of any kind from Sofi. So I called in and learned that the appeal was also denied. Sofi continued to insist that the coding they received from the payer 's banker was all that mattered, and that the fact that they were effectively direct deposits for work performed wasn't sufficient.

I then told them that they were a dishonest and terrible company for doing this, and wasting my time and money. I then moved a large chunk of my account to a competitor who is paying a 5 % interest rate. But I've still kept my account at Sofi, and would appreciate some justice and honesty on my behalf, finally, in the form of Sofi making good on the {$300.00} that they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

My XXXX XXXX has a due date of the XXXX of each month. I paid at XXXX on the XXXX of XXXX, only to find out that a late fee has already been applied to my account. I contacted Capital One about this and they Confirmed my due date is the XXXX, that today is in fact the XXXX, but stated the late fee would not be removed.
Product: Checking or savings account

In XX/XX/XXXX charges that I did NOT authorize appeared on my statement. 
This is with Robinhood and the bank they use. In XX/XX/XXXX when I found out about the charges, I made the dispute totaling {$530.00}. They provided credit for this dispute. Robinhood then with no reasons given to me reversed the fraudulent charges. The charges happened in a different state where I had never traveled to a day. I feel that Robinhood never investigated my claim. 

I cashed out my stocks right before the fraudulent charges to settle an account deficit I already had. Then my information is used at XXXX and several other places I never authorized. 

Now Robinhood has no idea what I'm talking about despite the email records of said disputes. 
They hang up in my face when trying to speak to them.
Product: Student loan

It is requested that Deville Assest Management be contacted and informed to remove said collection XXXX XXXX or any other fraudulent reporting from XXXX XXXX from my credit reports. Deville Asset Management fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX XXXX, nor did I take out a loan from an XXXX XXXX. According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. An account executive called from Deville Asset Management and implied that this loan was tied to a loan from XXXX XXXX. My loans are in excellent standings, and XXXX XXXX was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX XXXX. Also see XXXX for further information on the fraudulent activities by XXXX XXXX and XXXX XXXX. I am asking that each credit bureau be contacted and the information supplied and attached be investigated against Deville Asset Management who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to Deville Asset Management requesting them to start reporing fraudulent activity on my account. If Deville Asset Management continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against Deville Asset Management per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX