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

All collections and charge off accounts and hard inquiries needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting ^r agency block all of the accounts, collections, and hard inquiries identified in this CFPB ^r complaint from my consumer credit file within XXXX business days of receiving said complaint. I ^r request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Debt collection

I made a payment via money order to XXXX XXXX & they claim I never made a payment. Not only that but this debt is from XX/XX/XXXX. XXXX XXXX has now decided to send this debt to a credit collection company as a XX/XX/XXXX debt on top of claiming that I never paid them. I have had issues with them in the past including a {$600.00} bill from an old residence that I requested have it 's service terminated. They were unable to get in to suspend service so they charged me for three months service without informing me they were unable to get in the residence. When I asked why they did n't inform me that they were unable to suspend service at the old residence a representative responded with " that 's not our responsibility.
Product: Vehicle loan or lease

Credit acceptance is the company that I lease a car with back in XXXX. I voluntary gave the car back because I could not handle the loan and they have not updated the balance on my credit report with the actual balance that is owed after the vehicle has went through the auction. They charge high APR rates and leave their customers to struggle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. Equifax stated that they needed me to submit proof of identification which I feel was just a stall tactic, but I will attach it to this complaint. Once again, I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all XXXX bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Product: Payday loan, title loan, or personal loan

I applied for a loan on online XX/XX/2019 with ONE MAIN FINANCIAL and received an Approval for two types of loans {$11000.00} secured, {$6200.00} unsecured. I received an email from a local branch in XXXX CALIFORNIA. I called and someone ask can she call me back later she had a customer at her desk. I received a call from XXXX three hours later and she ask me a lot of questions which was fine, but I started feeling like she was stereotyping me. XXXX ask me to upload my Check stubs verification of income, Drivers License, and Bank Statement for proof of Residents. The next morning I upload all the information she request and she called me back 30 min later and said we can't approval your loan, because we can't verify your income ... I said how did you try to verify my income than she will we look at your bank statement and then a said I have Three bank accounts, you told to just a Bank statement for proof of Residents.. I ask to speak with the Manager XXXX XXXX and she said hold and then came back to the phone and said he is busy and that I can call corporate, because they are the one who made the decision NOT TRUE!!!! I work for the XXXX XXXX XXXX XXXX, AND A XXXX   XXXX COMPANY. MY CREDIT IS GOOD NO LATES, NO COLLECTIONS, NO JUDGEMENTS. THIS WAS A CLEAR CASE OF ME BEING XXXX AND THEY WERE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting or other personal consumer reports

I AM LIVING SO PLEASE DONT CLOSED OUT THIS COMPLAINT WITHOUT SENDING ME VERIFICATION AND A RESOULUTION. 

15 USC 1681 ( I ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit card

In XX/XX/2024, unauthorized charges were made using my Prosper credit card, even though I had the physical card in my possession. These fraudulent charges occurred in a different part of the country, strongly suggesting that my personal data was compromised due to a potential data breach. Despite promptly addressing these charges, Prosper subsequently reduced my credit limit from {$900.00} to {$500.00}, citing an internal credit review. However, my credit monitoring service shows no negative changes, inquiries, or other factors that would justify this reduction.

I believe that Prospers actions are punitive and retaliatory, resulting from their failure to protect my data. Additionally, the explanation provided for the credit limit reduction appears misleading, as it does not reflect the true circumstances. Concerned about further retaliation, I maxed out my credit limit to prevent Prosper from taking additional adverse actions, such as closing my account without justification. 

On XXXX XXXX I requested that Prosper restore my original credit limit, conduct a thorough investigation into the potential data breach, and provide a detailed explanation of the internal credit review process. Despite my efforts, Prosper has not adequately addressed these concerns. 

I am filing this complaint because I believe Prosper has violated the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Equal Credit Opportunity Act ( ECOA ) by failing to protect my data and providing misleading information. I seek the restoration of my original credit limit, an investigation into the data breach, and a clear explanation of Prosper 's actions.

This description provides a clear and concise account of the events, highlighting the potential legal violations and the actions youve taken. It should effectively communicate your concerns to the CFPB and prompt further investigation into Prospers practices.
Product: Checking or savings account

On XX/XX/XXXX I ordered 2 Space Heaters from XXXX XXXX at XXXX XXXX XXXX in XXXX NY XXXX, a 3rd Party Seller through XXXX. But the order was delayed and we had to go to XXXX and buy the exact items, and when the Heaters arrived from XXXX we didn't need them any longer. Originally when I contacted him he was going to give me a Full Refund of {$44.00} when he received the items but he didn't do this. The XXXX Representative told him to have XX/XX/XXXX Pick-Up the heaters at our residence but XXXX XXXX refused XXXX he sent me a Free Shipping label and I took the box toXX/XX/XXXXand mailed it on XX/XX/XXXX - and XXXX got the box delivered to him and he signed for it on XX/XX/XXXX and XX/XX/XXXXTracking Number is XXXX. But he never sent me a refund of {$44.00}. So I contacted my bank and asked for a credit which they gave me, sending them the photos and all the information. But one week later around XX/XX/XXXX XXXX objected and told my Bank that he never received the items. That was a lie- it was a Fraudulent Scam of XXXX XXXX 's. I provided proof to my bank and they gave me the {$44.00} credit back in XX/XX/XXXX. But on XX/XX/XXXX XXXX XXXX contacted my bank again and said he didn't get the items and again my Bank deducted {$44.00} from my account. I had to again send the photos, tracking information showing day and time XXXX XXXX signed for the box. And now my Bank is investigating this. XXXX XXXX is a Scammer, acting Illegally and Fraudulently. I only get {$920.00} per month from social security and I have to watch every XXXX. I can not afford to give this XXXX XXXX my {$44.00} when I already returned the 2 heaters and he signed for it with the XX/XX/XXXX Driver on XX/XX/XXXX at XXXX. How many other people does this XXXX XXXX do this to???
Product: Checking or savings account

Consumer finance Protection Complaint against Bank of America about personal accounts of XXXX XXXX FACTS 1. Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX personal account under XXXX & XXXX. 
2. Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX Personal account under numberXXXX & XXXX for Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX account under number XXXX & XXXX. 

3. I was granted credit on approximate dated XX/XX/XXXX, and 4. Subsequently, on XX/XX/XXXX, it was a reversal, and they made me paid fraudulent fee charges. 
5. I have a claim number and first my claim number XXXX and claim number XXXX 6. I filed a reconsideration on fraud and overdraft on the reversal on my credit to overturn. 
7. I did provide the letter of reconsideration via fax to Respondent BOA.

8. Respondent BOA made a misrepresentation or made false indigenous 9. They ( BOA ) never receive Petitioner 's reconsideration was never by fax. 
10.

11. Still, I have argued with the Respondent BOA did in received the reconsideration letter.

12. On XX/XX/XXXX, I re-fax of letter of reconsideration to the Respondent BOA all over again, and then I follower-up Respondent BOA on XX/XX/XXXX. 
13. Customer Services Representative First name as XXXX, and her ID is # XXXX answer my response on XX/XX/XXXX, at XXXX XXXX  14. She confirmed on XX/XX/XXXX, that the Respondent BOA was received by fax. 
15. XXXX informs me that the Respondent BOA denied my reconsideration. 
16. Furthermore, when I spoke to her, she was unprofessional, discourteous, and provide rude treatment towards me.

17. At approximately time XXXX XXXX, I filed an oral complaint with another Customer Services. The Customer Services was male and took down my complaint, and she did not have the right, and I part own the Company because I have stock shares on the corporation. 
18. He provides me with case number XXXX.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB  complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
NORDSTROM/TD BANK ***** Opened XXXX XXXX, 2014 Balance {$690.00} // Late Opened
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 SIction 604 A Section 2 : It also states a consumer XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Balance : {$14000.00} {$14000.00} {$14000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$31000.00} {$31000.00} {$34000.00}
Product: Debt collection

XXXX XXXX XXXX in retaliation for cancellation of bogus services they attempted to provide me, falsely put this information on my credit report, {$150.00} a false delinquent payment. I cancelled this work order in less then 24 hours after ordering. A yearly review of my credit record, this information was discovered on my credit report to Franklin Collections Inc.
Product: Credit reporting

EXPERIAN HAS VIOLATED THE FAIR CREDIT PROTECTION ACT. 

THEY PREVIOUSLY DELETED A TRADE LINE BY " XXXX '' IN MINNESOTA WITH STATUS OF " UNKNOWN ''. THEY DELETED THIS TRADE-IN ON XXXX AS I HAVE MANY MONTHLY CREDIT REPORTS DIRECTLY FROM THEM FROM XXXX TO XXXX XXXX. OUT OF THE BLUE, WITHOUT ANY NOTIFICATION, THIS TRADE LINE IS SHOWING UP ON MY CREDIT REPORT AND IN DIRECT VIOLATION OF THE ACT. 

I SUGGEST THEIR COMPLIANCE DEPT ALONG WITH THEIR LEGAL DEPARTMENT CAREFULLY REVIEW MY CREDIT REPORT, DAY BY DAY SINCE XXXX SO THEY CAN FIND WHERE THEY VIOLATED THE ACT WHICH IS A CAUSE FOR MONETARY PENALTIES AWARDED TO ME IN ADDITION TO CAUSING MY FINANCIAL HARM. 

THEY NEED TO REVIEW THEIR FILES AND IMMEDIATELY DELETE THIS TRADELINE.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$360.00} XXXX  - XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX  - XXXX - XX/XX/XXXX XXXX {$11000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX - XXXX - XX/XX/XXXX - {$980.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$140.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX - XXXX - XX/XX/XXXX - {$140.00} XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are not resolving credit disputes that was fraudulently applied for.
Product: Debt collection

I paid a debt to XXXXXXXX XXXX XXXX  They sold they debt and never told me. So when i went on the website to pay it they never said it was sold to Pressler , Felt & Warshaw , LLP. So XXXX felt sued me for the debt that was already paid its not my fault they dont communicate. XXXX XXXX XXXX told them i paid it and they still garnished my pay. I have proof its been paid off for a year and showed them and still nothing. They wont return my calls or emails and neither company is returning money. Pressler , Felt & Warshaw , LLP XXXX XXXXXXXX XXXX XXXX  XXXX of them have to give me my money back. They literally are stealing from my pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I attempted to get my free credit reports using XXXX. I filled out the form, and sent it to XXXX, and received a complete and accurate credit report on line. When I tried this for Equifax, I was told that I had to request the credit report by mail, and that I had to supply documentation in the form of a copy of my Social Security card and my driver 's license. I have requested credit reports in the past, and I have never been asked for more information than has been on the request form. 

I will be sending the credit request form but not the other documentation.
Product: Credit reporting or other personal consumer reports

I ask Transunion for original contract information they received from XXXX XXXX XXXX, and XXXX, I never received anything mailed from Transunion. The only thing I've been receiving from Transunion through email are offers to apply for credit cards. I know that all three credit bureaus use the same codes XXXX deleted XXXX XXXX, XXXX and XXXX, Transunion Updated my account and verified with the same inaccuracy. This XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts, addresses, and inquiries that are listed on my credit report that I am unfamiliar with or that it's simply not mine. There is also a Chapter XXXX bankruptcy that needs to be removed too. Please remove these from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.
Product: Debt collection

On XXXX XXXX, 2015 I received a copy of my XXXX credit report. I noticed XXXX collections from Collection Resources INC XXXX NM XXXX Phone : XXXX ( XXXX ) XXXX I called XXXX on numerous occasions and disputed these items, however they did not remove them. On XXXX XXXX, 2015 at approximately XXXX I called Collection Resources INC and spoke with XXXX and she stated I only have XXXX account with them. The account number is XXXX and stated that the other account was the same XXXX. The other account number is XXXX. The same debt is reporting on my credit report twice. XXXX informed me that the collection agency does not speak or communicate XXXX. When I spoke to XXXX they informed me to contact the collection agency. No one has given me a correct answer, and XXXX parties have failed to Validate these accounts. This account must be removed due to the fact its reporting twice.
Product: Debt collection

The Following Companies are not following Rules as stated below. The following Companies are reporting information in my credit report : 2 ) XXXX XXXX XXXX ACCOUNT # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX - Communication in connection with debt collection If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
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. 
XXXX  Account # XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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

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

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 conventions of crimes which antedates the report by more than 7 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to Transunion on XX/XX/XXXX. However, the credit bureau said they completed the investigation and everything was 100 % accurate. According to the law 15 US code 1681a - definition ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I am in disagreement with the results of their investigation, as my report now reflects a XXXX decrease from a XXXX charged off, closed account that apparently was re-opened by the creditor this month, which is illegal. This was confirmed by a Transunion rep on XX/XX/XXXX, who also encouraged me to file this complaint. I would like to know who did they speak with, and how they did they complete this investigation ( context ) : Did they speak directly to any agent of the company that was reporting the inaccurate information for confirmation? If yes to the above : I would like contextual answers to each question asked in the attached disagreement letter. I also would like to know the reasons why the explained inaccurate, incomplete info from their records, did not serve as sufficient enough info for the removal of this account in accordance to FCRA Laws. Not to mention, I filed a dispute with XXXX, and they were able to do the right thing by deleting this account for violation of my rights and reporting inaccurate information.