23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

A company called Prosper is sending me multiple, unsolicited loan offers and I would like them to stop. In fact, XXXX and other financial institutions also send repeated junk mail offers that I must tear up and/or shred to prevent identity theft. 

Prosper has a number to call to opt-out of the offers ( XXXX ), but they require giving out my social security number, which I do not want to do. 

Junk mail like this is not just a nuisance, its a time drain and stress creator. How can I stop these companies from accessing my credit report, intruding on my privacy, and attempting to prey upon my debt? 

Thank you. 
XXXX XXXX XXXX XXXX P.s. the website for Prosper is SaveWithProsper.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15USC1681g, 15USC1681h, and 15USC1681i I the consumer should be able to obtain my consumer report in any method offered by the agency with ease. HOWEVER XXXX AND XXXX IS NOT LETTING ME CHECK MY REPORT WITH EASE I CAN NOT GET ANNUAL REPORT OR CHECK CONSUMER REPORT. WHEN CHECKING IT ASK ME INFORMATION I ANSWER IT CORRECTLY THEN IT SAYS UNABLE TO GIVE ME MY REPORT IT ASK ME TO FILL OUT A MAIL FORM. ACCORDING TO THE LAW I MAY RECEIVE MY REPORT IN ANY METHOD I CHOOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or  the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion It seems that XXXX  XXXX is reporting to you on 2 accountXXXXand XXXX but they want me to give them information, THAT TELLS me that they do not have the documentation to report anything Documents enclosed as fact
Product: Debt collection

Portfolio Recovery is reporting 3 negative trade lines on my credit bureau reports. I have paid one in full that was actually owed by me. The company than added {$.00} balance and is still showing it as an open account. This is the account ending in XXXX. 

The other two accounts ( XXXX and XXXX ) are also showing as active and open accounts with a balance. After speaking to Portfolio Recovery they informed me that both debts ( which are also past the Colorado Statute of Limitations ) have been sold to another junk debt buyer XXXX XXXX XXXX XXXX. Since they no longer own this debt, they should not be allowed to report it as an actively open tradeline with a balance. 

I had previously requested that these debts be appropriately verified and validated, but was only provided with an old credit card statement. They refused to provide me wit any signed documents or contracts showing me as being liable for these debts.
Product: Checking or savings account

I think this bank kept stealing from me. I got a California relief grant that just disappeared.
Product: Mortgage

I lost my job In XX/XX/2017 I did qualify for the reduced mortgage for a yr. I found a new job paying XXXX less than what I was originally making so it is hard for me to pay my mortgage. I have filled out the papers for the reduced mortgage but was denied when I ask my mortgage company they say the income is too much or less but will not tell me why. They referred me to HUD I called HUD and spoke with XXXX who does not communicate with me she can not explain to me why I was denied. So I asked to speak to her supervisor XXXX XXXX who has NEVER returned a call and I have left messages and sent emails. 
I do not want to lose my house but I do not know what I need to do, I am trying to get the help but it seems no one is trying to help me.
Product: Money transfer, virtual currency, or money service

I would like to bring your attention to a serious issue I have with Kraken transactions that first took place on XX/XX/2020. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company.

The funds were transferred utilizing Kraken 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2020 - I filed a dispute with Kraken.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries from buying a car XXXX inquiries on my credit report that did not drop off in 30 days some of the reporting said that the inquiries would not be on my report because it was a soft pull 1. ALLY FINANCIAL
Product: Mortgage

To whom it may concern : I submitted my loan modification packet back in XXXX  with the correct information for my income and my son 's income. For some reason the underwriters continue to confuse our income and have delayed our review for months now. I have submitted endless amount of bank statements. My son is XXXX XXXX and moved in with me to help save the home. I am on fixed income from social security. I am afraid that I am going to get a sale date because this process doesn't seem like its going anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Checking or savings account

Td bank is denying my claim for fraudulent activity on my debit card, I went to a branch on XX/XX/XXXX asking for help on my account they told me that theres nothing they can do until the pending transactions post on the account. When I went to the branch again on XX/XX/XXXX they were able to help me close my account and issue me a new debit card. They told me it takes 7-10 business days to be given a provisional credit. I called in to customer service on XX/XX/XXXX and they had messed up the transactions that were disputed, they told me that the claim was denied as there was no incorrect pin used. Then they told me they can refile a claim for me and told me the same it would take 7-10 business days to get refunded. Then I called in again the following week on XX/XX/XXXX and they told me it was denied again and that I should get a police report. I went to the police and they informed me that Td bank is aware to give their customers an affidavit, to come with that affidavit with the police report. I went back to the branch on XX/XX/XXXX and they printed out the statements and affidavit for me. They said that Td bank never filed the claim initially and thats why I was having these issues. Someone needs to hold Td bank accountable. Td had also said that my card was not used after reporting it but it was used at XXXX XXXX for XXXX on XX/XX/2023. At the branch on XX/XX/2023 they told me that the other branch didnt file the claim initially. I am awaiting a police report number from the police they told me it can take 2 or 3 days. TD Bank has told me that once I get the report number that the branch will fax it to them and that this can take anywhere from 14 days to one month. Td bank and its representatives have been extremely careless, they do not care for their customers yet we entrust them to hold onto our money. 

ATM 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Total Amount due is XXXX
Product: Mortgage

Since about XXXX of 2024 they have misappropriated my funds & then I began getting collection calls even though I make an automatic payment for XXXX the amount of my mortgage every XXXX from my bank account. There was a previous company handling payments & I never had an issue and actually was ahead on my mortgage payments. This has been a nightmare. I have spoken to several supervisors who stated they fixed it but they have not I just got another statement showing Im behind again, which is impossible. Im not talking to them anymore this is an accounts receivable issue they need to fix & I warned them if it wasnt after XXXX  months now of them moving the funds that were applied incorrectly & reversing fees that if I received one more notice showing it incorrect I would make a complaint because I cant be the only who is having this issue with them. I shouldnt have to spend my time calling waiting forever to get someone on the phone to fix this only for it to happen again.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a ACH transfer request from my XXXX  Savings Account ( ... XXXX ) to pull money from my Cash App ( XXXX XXXX  ) account ( ... XXXX ) in the amount of {$8400.00}. 

On XX/XX/XXXX the {$8400.00} was removed from my Cash App account ( ... XXXX ). 

A couple of days later I received a call from XXXX XXXX  stating that the ACH transfer was " incomplete '' and that I needed to contact Cash App and have them dispute the transaction. 

I created a support case with Cash App ( ref : XXXX : ref ) to dispute the transaction, but Cash App support stated that they could not ( or would not ) dispute the transaction. The gave me the following trace # to give to XXXX to look for the transfer : trace_number : XXXX, XXXX : XXXX XXXX again checked for the funds but stated that the transfer was incomplete and that Cash App needed to dispute the transaction. Further communication with Cash App stated that there was nothing more they could do to help. 

I initiated a support case with XXXX to investigate the issue. Approximately 6 weeks later on XX/XX/XXXX, XXXX called me to tell me that they had resolved the issue and the {$8400.00} was finally credited to my XXXX account ( ... XXXX ) on this date. I do not have any specific details on what the was done to resolve the issue. 

On XX/XX/XXXXXXXX  the {$8400.00} was debited from my XXXX account ( ... XXXX ). I contacted XXXX and they stated that Cash App ( XXXX ) had requested the funds back. XXXX responded to the request by initiating a manual ACH transfer of {$8400.00} to Cash App. The transaction id for this transfer is XXXX. 

This {$8400.00} was never returned to my Cash App account and has been removed from my XXXX account. On XX/XX/XXXX I created a new support case with Cash App ( ref :! XXXX.! XXXX : ref ). Cash App now says that I need to contact XXXX and have them request the funds back. 

I contacted XXXX and they said that since Cash App requested the funds to be returned and since they did a manual transfer of those funds that they no longer have the ability to request the funds back. 

I gave this information to Cash App, but they stated that this was all that they could do and they could provide no new information. I am now at a dead end and out {$8400.00} and no one seems to know where the funds are and Cash App is no longer willing to help me any further.
Product: Debt collection

my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed this account # XXXX from stellar recovery does not belong to me and was opened fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple errors on my credit report with multiple inquiries that I did not approve under my consent and multiple credit reporting 's that are falsely reported on my credit which is negatively impacting my life. 

Below are the errors : Under The Fair Credit Reporting Act ( FCRA ) I have specific rights to report these companies and request that they be removed. 

XXXX XXXX XXXX - amount : {$940.00} ( This account I have XXXX knowledge of and requesting of it's removal. ) XXXX XXXX ( XXXX  XXXX XXXX  ) - amount : {$630.00} ( This account was opened falsely under my name ) XXXX XXXX XXXX - amount : {$300.00} ( This account was opened and used falsely under my name ) XXXX XXXX XXXX ( XXXX  XXXX  ) - amount : $ {$210.00} ( This account was opened and used falsely under my name ) XXXXXXXX XXXX XXXX ( XXXX ) - Amount : {$180.00} ( This account was opened and used falsely under my name ) The only account that is correct is XXXX : However my payments have been made on time and should not be listed as a collection/ late payment whatsoever so I will be disputing this error as well. 
XXXX XXXX - Amount : {$190.00} Each and all of these accounts were listed under my name and previous address XXXX XXXX XXXX ct XXXX FL XXXX Which I have not lived there for 7 years now. Which should blatantly tell you this is fraud. My address has been XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX since XXXX. I have my original lease agreement to prove this. I do not know what else to do?? My name and address information have been breached from multiple companies, ( i.e. XXXX as the main XXXX in XXXX and ever since then I have had multiple issues with credit being used in my name )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX XXXX - XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting or other personal consumer reports

I am reporting XXXX due to lack of safety of personal information. I just recently put a fraud alert that XXXX did not whole up its bargain with keeping my information from being used without my knowledge or consent. as shown on my credit profile there has been someone trying to access credit using my personal information and I did authorize any of these inquiries and I am requesting them to be removed 28inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian Report Number : XXXX Date Generated : XX/XX/2022 Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. 

The information is inaccurate. XXXX XXXX is unable to produce authentic proof that accounts or loan obained belongs to me. Yet they are not correcting the issue. Nor is Experian who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to XXXX. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. All 3 parties ( XXXX XXXX, XXXX, and Experian ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied for the debt, not I ever heard from any of these 3 parties about it until I saw my score dinged by experian. 

I am a victim of all these 3 agencies. All 3 credit bureaus, XXXX, and XXXX XXXX. 

Similar is the case with another reported debt XXXX XXXX XXXXXXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$470.00} This too is not a verifyable debt. I am not sure if information provided to justify this debt is 100 % accurate. 

Under Fair Credit Reporting act, 15 U.S.C. Sec. 1681i ( a ), if anything on reported account is not accurate, the account must be deleted and/or provide me with credible court admissible proof of why the negative reporting against me is justified.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper/Nationstar on XX/XX/XXXX. When I was notified of this transfer, I immediately applied for auto pay with Mr. Cooper to make absolutely sure my mortgage was covered for XX/XX/XXXX. Unbeknownst to me, Mr. Cooper did not process my payment through the auto pay system so it showed that I did not pay for XX/XX/XXXX mortgage payment. The auto pay system went into effect on XX/XX/XXXX, so the late payment kept spilling over for the next 6 months. 

Mr. Cooper/Nationstar then reported to the credit bureaus that I failed to pay 4 payments and that lowered my credit score over XXXX  points from around XXXX  to XXXX. All of this was while I had more than sufficient funds to pay the loan off in full in my bank account. I did not realize the hit until I tried to apply for a new mortgage and my credit was lower than usual. My history of paying mortgages was flawless up until the events of XXXX XXXX XX/XX/XXXX. 

This event has hurt my credit very badly and I feel this error is not my fault as I believed the autopay covered that payment on XX/XX/XXXX. I had zero idea they did not process that XX/XX/XXXX payment until they let me know in the fall of XXXX. Afterwards, I payed an extra payment in XXXX to cover everything. 

I requested an investigation to their research department and it came back as no errors on their part and they refused to fix this with the credit bureau. I desperately need the CFPB 's help on this matter as Mr. Cooper is failing to cooperate and fix the issue.
Product: Vehicle loan or lease

Credit Acceptance has violated my consumer law rights under the FCRA. The laws that Credit Acceptance violated are listed below with an explanation.

15 USC 1662- Credit Acceptance required a down payment of {$3000.00} when this law states that no advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount.

15 USC 1635 ( a ) - Credit Acceptance FAILED to disclose my right to rescind which is a violation to my consumer rights.

15 USC 6802 ( a ) - Credit Acceptance did not disclose in writing nor in electronic form that an alleged debt will be disclosed with a third party in this case which is XXXX, XXXX, XXXX. 

9-506 : EFFECT OF ERRORS OR OMISSIONS NOT RECEIVED.

9-611 : NOTIFICATION BEFORE DISPOSITION OF COLLATERAL WAS NOT RECEIVED.

9-612 : TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL WAS NOT RECEIVED.

9-613 : CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL WAS NOT RECEIVED.

9-616 : EXPLANATION OF CALCULATION OF SURPLUS OF DEFICIENCY WAS NOT RECEIVED.

9-619 : TRANSFER OF RECORD OR LEGAL TITLE WAS NOT RECEIVED.
Product: Checking or savings account

Key bank has you hold all day each time. I can not get my unemployment off card. I gone to bank, grocer, everything.
Product: Debt collection

I got a collection notice letter stating that I owe {$770.00} from XXXX XXXX XXXX. However, I was never used XXXX XXXX XXXX. This is the first time Afni, Inc. contacted me. 
I have not call back or requested them to provide a validation letter. 

Anfi Letter received on XX/XX/2020 Balance due {$770.00}