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

I contacted Prosper on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to ask them to change the primary bank account on file for my automatic payments. However, they did not. As a result, some payments were flagged as late because I was unaware they did not update my information as requested. This happened again in XX/XX/XXXX where they were still attempting to draw from an old bank account, fortunately, I noticed it before it became past due this time and contacted them once again. I also requested they provide a full accounting, refund of late fees, NSF fees, and interest that resulted from these fees. This is the response I recieved. 

Prosper Client Services ( Prosper Marketplace Support ) XX/XX/XXXX, XXXX PDT Hello XXXX, Thank you for your patience. 

Upon review, we found that you had sent us emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to ask us to change the primary bank account on file. We had replied to you on those emails and informed you that we are unable to update banking information through email correspondence. 

However, we found that you had spoken to an agent on XX/XX/XXXX to change your primary bank account from the one ending in XXXX to the one ending in XXXX to avoid payment failures from your autopay. Our agent did not complete the process properly which caused failed autopayments to happen on XX/XX/XXXX and XX/XX/XXXX ; we will waive/credit those XXXX NSF fees due to our error and we apologize for any inconvenience caused. We will also credit XXXX additional late fees as a onetime courtesy to further accommodate you. Please note, we only provide a one-time fee waiver per loan, all other future " no sufficient funds '' fees and/or late fees will be your responsibility unless Prosper error. 

We are also following up on your recent call with us in which you had questions about your regular payment amount and late reporting for loan # XXXX. According to our records, a payment reduction program was accepted on XX/XX/XXXX that reduced your payment for 12 months to {$93.00} with a post-reduction payment amount of {$450.00} once the program has ended. Unfortunately, we are unable to remove the late reporting that occurred for your loan as your late payment on XX/XX/XXXX was made before our error had occurred. 

If you have any additional questions or concerns, feel free to reply to this email or call us at XXXX. Have a great day. 
If you need anything else, reply to this email or give us a call at ( XXXX ) XXXX for any other questions or concerns. 

Thank you, The Prosper Team
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 16815-2 ( 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

Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised Transunion, XXXX, and XXXX and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if possible.
Product: Credit reporting or other personal consumer reports

Hello, to whom it may concern, I could write out a bunch of fair credit reporting acts and USC and UCC codes, but I don't want to do that. My issue is simple. The address ' and phone numbers on XXXX and Equifax are inaccurate. NON MAILABLE ADDRESSES and the phone numbers are deactivated. I have XXXX address and XXXX phone number and I been employed at XXXX company and will provide that info on request. But first I need that inaccurate info to be removed.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I pulled my credit report and saw a debt collection that did not belong to me. I wrote to the credit bureaus disputing the collection several times. Specifically, I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, I also sent letters to the collection agency asking them to validate the debt on XX/XX/XXXX, XXXX, and XX/XX/XXXX. This is a collection incurred by my ex-wife. But I have not been able to prove it because up to now neither the bureaus nor the collection agency have either responded, investigated, or removed the collection that does not belong to me. 
I want this collection to be removed from my credit report. immediately.
Product: Money transfer, virtual currency, or money service

I purchased a PayPal digital reload for XXXX $ from XXXX I entered the wrong email sending the money to XXXX when it was supposed to be loaded to the PayPal account associated with the email XXXX. I contacted XXXX and PayPal several times I never received the digital reload and was never reembursed for the money I spent to purchase it. I sent several emails and called and called the only number I could find and was never given a solution.
Product: Debt collection

I paid my XXXX XXXX bill for the month of XX/XX/2024 on XXXX XX/XX/2024. On XXXX XX/XX/2024, I cancelled my internet service. I have received bills for various fees such as " Restocking Fees, and Termination of Service Fees ''. I had not agreed to any of these fees previously and disputed them with XXXXXXXX XXXX Customer Service. On XXXX XX/XX/2024 I sent a check to XXXX for the Restocking Fees, but declined to pay the XXXX  month Termination fee. The check was cashed XXXX XX/XX/2024. In the memo field on the check, it stated, " Final Payment In Full ''. I have recently been contacted by a collections agency in an attempt to collect the " Termination of Service Fee in the amount of {$100.00}. I believe XXXX XXXX is engaging in unscrupulous and deceptive practices. I have recently learned that this is an ongoing problem, and numerous people have been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

file ftc on these companies ftc file number XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : 05 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : 06 XXXX Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file. 

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumers legal rights, disclosing a consumers personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their blatant failure to remove a fraudulent XXXX  XXXX XXXX account from my credit report, despite undeniable proof that it is the result of identity theft. This account was reinserted without properly notifying me, and it is frustrating because I thought my case was already resolved. I did not open or authorize this account and have provided a police report along with supporting documentation to substantiate my claim. Both XXXX and XXXX have reviewed the same evidence and removed this account, yet Experian continues to report it, demonstrating gross negligence and a disregard for their legal obligations under the Fair Credit Reporting Act ( FCRA ). Experians actions violate 15 USC 1681b by reporting information without a permissible purpose, 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy, and 15 USC 1681n for their non-willful or potentially willful noncompliance. This continued negligence is unacceptable and has caused significant harm to my financial standing and emotional well-being. I demand that Experian immediately delete this fraudulent account and comply with the law. If this issue is not resolved promptly, I will pursue further legal action to hold Experian accountable for its failure to act responsibly and in accordance with federal regulations. This matter requires urgent attention and resolution.
Product: Debt collection

I reviewed my credit report and discovered accounts I believe were added fraudulently. I request their immediate removal and blocking.
Product: Credit card

I hold a Barclays XXXX XXXX AAdvantage XXXX. Recently, I switched cell phone providers and thus got a new phone number. I went into my profile for the Barclays card intending to update my phone number so that I could continue to receive any notifications as necessary. I was then immediately totally and completely locked out of my account for trying to update my cell number. I was told that I needed to fax XXXX documents including my drivers license and social security card to them in order to unlock it. I did so, but am encountering endless issues, including that the scan of the license was " too blurry '' which it was not, and the document containing my SSN not being filed despite the other documents sent in the same fax being so. At this point I'm concerned about missing payments due to being unable to access my account and having an unfair knock on my credit score. The customer service agents have told me they require these documents due to " banking regulations '' but I was able to update my number in my profile with XXXX and XXXX XXXX cards with no issue.
Product: Debt collection

Supposedly is a " parking ticket '' from over a year ago which I called the company that manages the lot numerous times and never got ahold of anyone, I would be on the phone on hold for over an hour and when I looked into the parking management company they own the dept collection company as well and I believe i am being scammed and they wont stop harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that both have wrong credit card balances : XXXX XXXX XXXX  credit card and XXXX XXXX XXXX. The XXXX XXXX balance is {$0.00} since XX/XX/XXXX. I will show proof that I requested a statement. The XXXX card balance shows {$1000.00} on the XXXX XXXX website. The actual balance is {$1000.00}. I will show proof of payments from my bill pay ( from XXXX  XXXX XXXX ). Please assist.
Product: Mortgage

I lost my job early XXXX due to downsizing after 38 years with the company. During the same time my RE taxes were increased by 85 % which raised my payment by almost {$500.00} per month, so I was unable to make my mortgage payments. I decided to sell the house, but found that I had extensive foundation issues which had started causing cracks in the walls upstairs and issues with doors not closing. The issues were more than I could afford and would make me upside down in value vs mortgage balance. I decided to go with a short sale hoping this would help sell the home to an investor who would fix the problems. A XXXX  was sent by the mortgage company, but he gave a value that was inflated value of {$230000.00}. His value was higher than other houses that had recently sold in the neighborhood without issues. When a new XXXX was requested, they sent the same appraiser and his value was the same. The investor hired a structural engineer and the cost of the foundation repairs was {$52000.00}. After months of negotiations with Mortgage company regarding a contract offer with an investor, the investor cancelled. With no further offers, Mortgage company listed the property for a lesser value of {$180000.00}, and after 3 months of no offers, they lowered it to {$160000.00}. We then received a couple offers, the first one fell through because the buyer cancelled. The last offer was for {$160000.00}, from a highly respected investor, but now the representative at mortgage company wont submit the offer to XXXX XXXX and wants to go forward with foreclosure and sale of property at auction. They gave me a date of XX/XX/XXXX, but so far that date hasnt happened to my knowledge. I just want them to be fair and submit this latest offer. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. The 3 Credit Bureau is reporting inaccurate information on SYNCB/VALUEC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

On XX/XX/2020 an order was placed with XXXX for {$2800.00} for a computer and the Order number is XXXX. The item was to be shipped by XXXX and delivered on XXXX XXXX, 2020. I wasn't home that day and when I got home the package was not present. the tracking number is XXXX. I checked with my neighbors and waited the requisite 2 days for delivery. After which I contacted XXXX by phone and they were not helpful at that time, so I filed a Dispute with Charles Schwab Bank. Charles Schwab then gave me a temporary credit and reversed the credit on XX/XX/2020 and stated that the charge was legitimate. I then contacted XXXX and they stated I was to file a Police report. The police report was filed with the XXXX XXXX Sheriffs Department on XX/XX/2020. The report was made available on XX/XX/2020 and sent to Charles Schwab and XXXX. The only fair resolution is to refund me the {$2800.00} as the computer was not received by me and either was not delivered or was stolen.
Product: Debt collection

JPMCB Card Services has now reaged a charged-off debt without any communication or verification of this debt. Furthermore there has never been any debt validation provided. The debt was charged-off by original creditors XX/XX/XXXX with last payment made on XX/XX/XXXX with no further payments being made at this time and date of this complaint. 
Also I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. I do believe that the status of this accout is incorrect and that I have proofed that with the included documentation. Also as per the provided documentation, can you explain how you can just change a charged-off original date of XX/XX/XXXX to now relect XX/XX/XXXX? Again, reporting incorrect information, which again is a violation. I am giving you the opportunity to delete this account from your collections as well as from all three credit reporting agencies before I request litigation to show all the inaccuracies This action of re-aging a debt is illegal and violates my rights under FDCPA. Also there has never been any debt validation even when requested. The original creditors charge-off insurance claims, Original signed contract with my signature validating I am responsible for the debt, forward flow agreement, chain of title under 15 USC 1692G I believeis the correct item, and last payment made on debt. These actions need to be addressed immediately and or removed. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Credit reporting or other personal consumer reports

I am submitting to contest the accuracy of my credit reports. Following an examination of my reports, I have identified an erroneous account that is adversely impacting my credit score. In accordance with the Fair Credit Reporting Act ( FCRA ), it is incumbent upon credit reporting agencies to ensure the precision and currency of information contained in credit reports. Consequently, I am requesting that you conduct an investigation into this account and effect the requisite updates to ensure the accuracy of my credit reports. The following accounts per bureau are erroneous and necessitate correction from my credit reports : XXXX : XXXX XXXX XXXX Balance Owed : {$14000.00} -- -- -- -- -- -Equifax : XXXX XXXX XXXX Balance Owed : {$14000.00} -- -- -- -- -- -XXXX  : XXXX  XXXX XXXX Balance Owed : {$14000.00}. I have included a copy of my personal documents highlighting my identity for your reference. I would appreciate it if you could furnish me with an update on the status of my dispute within 30 days as mandated by the FCRA. Thank you for your attention to this matter. Please inform me if you require any additional information or documentation to assist with the investigation of these accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX never XXXX XXXX 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 XXXX  days 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 XXXX  days before the payment due date. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Never XXXX XXXX XXXX statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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 8
Product: Credit card or prepaid card

XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  to support To whom it may concern, I have never ordered anything from your website. I have informed my bank that the XXXX charged to my account is fraudulent. Please return XXXX to my cre. 

XXXX XXXX Customer Support XXXX via XXXX XXXX XXXX, 2020, XXXX XXXX  to me Thank you for contacting Customer Support. 

Your account with us is closed, you may consider this message as confirmation of cancellation. 

Additionally, you disputed the charges with your bank, and therefore they will provide any refunds, if necessary. 

For further inquiries or to make changes to an existing order, please call ( XXXX XXXX XXXX to speak with a live customer service representative. 

Our courteous and efficient staff is available twenty-four hours a day, seven days a week including all Federal holidays ; please understand that hold times may vary depending on call volume during peak hours. We can assure you that all of your questions and/or concerns will be resolved, and you will be completely satisfied with our outstanding service. 

Thank you, Support
Product: Credit card or prepaid card

I received a promotional email from The XXXX XXXX XXXX Mastercard by Barclays Bank Delaware on XX/XX/XXXX. In the email, it says I would receive a {$20.00} statement credit after placing 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX between XX/XX/XXXX and XX/XX/XXXX, using my card. The term says the statement credit will be issued 6-8 weeks after the end of the promotion. By XX/XX/XXXX, I made 4 orders with XXXX XXXX and XXXX. However, until now, XX/XX/XXXX, the statement credit was still not issued. I contacted the company multiple times since XX/XX/XXXX. The agents only mentioned that they are investigating/escalating the issue. In the most recent contact with the company, the agent offered no estimated time to resolve the issue.