23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

So my account was unexpectedly closed by PayPal, I use PayPal as a money service to offer payments to insulate my bank account from fraud, Im a full time XXXX  and they closed my account for no reason, I have payments from Merchandise that will no longer go through and payments from clients and tips that I need to facilitate my business as a fulltime XXXX. I need my account reopened I I feel like PayPal being a financial institution needs to say why it was closed, they will not offer any information as to what was suspicious or supposedly against their policy. I havent dont anything against their policy or illegal for that matter, everything was typical and I need it reinstated or I need someone to investigate their procedures as they seem illegal for a financial institution to randomly closed their account
Product: Credit card or prepaid card

Complained about fraudulent XXXX charges and company failed to address my concerns. They apparently ruled summarily in XXXX 's favor without asking me for any information or advising me of their decision not to investigate the claim throughout the month of XXXX when the fraud was discovered. 

Waited 30 mins to speak with someone at this garbage company only to be transferred to a foreign representative who couldn't hear me. Of course, if they used a real phone instead of a tin can, then this wouldn't happen. Garbage company. Garbage product. 

Totally violated my rights under the Fair Credit Act and the Equal Credit Opportunity Act.
Product: Credit reporting or other personal consumer reports

Lies told and Criminal Activities by XXXX on TransUnion, XXXX, XXXX that shows retaliation, discrimination, defamation of character, and ongoing harassment while my student loan has been forgiven for their fraud : " Pay Status- Transferred; was 120 days past due date. '' " Estimated month and year this item will be removed- XX/XX/XXXX '' " Remarks- TRANSFERRED TO ANOTHER LENDER '' " XX/XX/XXXX shows 30 days late, XX/XX/XXXX shows 60 days late, XX/XX/XXXX shows 90 days late, XXXX shows 120 days late then all of a sudden things reported " ok '' until XXXX XXXX XXXX where I have 120 days late on most of those months until they transferred the loan to another lender '' In XXXX CFPB won billions of dollars for students that attended XXXX XXXX during certain XXXX XXXX At the time I attended XXXX XXXX XXXX XXXX in XXXX where the school took advantage of my Post XX/XX/XXXX XXXX XXXX and stated that I still needed to get student loans to cover their fee 's and costs. I later found out that my classes weren't transferrable to be used when I went to other colleges. I graduated College with a 4 year degree from another college in XXXX. I didn't use financial aid since XXXX. XXXX has reported to my credit for almost 10 years now and plan to continue til XXXX illegally. I want compensation of {>= $1,000,000} for Navients ongoing damage from transferring my personal information to another company in XXXX without my permission; illegally obstructing my privacy to destroying my reputation, mental stability, and emotional balance with lies. XXXX left statements that will ruin the chances of me getting numerous loans or grants because of their defamatory and discriminative statements. My credit score has not had its " fair chance to succeed because of XXXX. I have already experienced denial for refinancing my home from a lower score than earned, getting a loan for my business, and still have high interest rates on credit card offers. XXXX XXXX sold my student loans to XXXX and XXXX sold my loan to XXXX XXXX XXXX, XXXX. Why? Because I was a XXXX Woman? XXXX continuously harassed me to pay the debt so I did what I could but when I couldn't I contacted them to defer them. They deferred it without penalty or so I thought. They were part of the cause for denials of credit applications. Haven't I suffered enough for their criminalistic activities? This is a shame because they put this on XXXX separate loans with them. XXXX  XXXX and XXXX  XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit with your organization has been compromised. I have discovered that items are not being removed from my credit report, even when accompanied by a Federal Trade Commission ( FTC ) report. This communication serves as formal notification that I have been a victim of fraudulent activity. According to the Fair Credit Reporting Act Section 605B ( a ), your organization is obligated to remove any items opened without my authorization, consent, or knowledge within four business days, provided I submit ( 1 ) valid proof of my identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information ; and ( 4 ) a statement asserting that the information is not related to any transactions I have made. The items listed below are fraudulent and must be removed : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$4700.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance : {$0.00} =======TRANSUNION : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00}. Should you assert that these items are accurate and verifiable, I request that you provide me with documentation bearing my signature associated with these items, as I believe such documentation does not exist. In the absence of a signed agreement from me, these items must be removed from my credit file. Enclosed with this communication is my latest FTC report, number XXXX. It has come to my notice that there might be a pattern of non-compliance with the FCRA statute in your handling of such matters. Ignoring this request may compel me to seek legal advice and action. I urge you to avoid escalating this matter into a legal dispute and to act within four business days to remove any fraudulent items from my credit file. I do not authorize the use of E-OSCAR or any automated verification methods in this matter. Your prompt attention and response within the specified timeframe are anticipated and appreciated.
Product: Mortgage

I sent my servicer a QWR only to have them disqualify it as a QWR. Qualified Written Request, No matter the title I still have a right to get my answers, in the proper format, the questions were only about my loan pertaining to my home, I did not ask any other questions that they couldn't answer. As part of the qwr I asked for a " certified " copy of the note, assignments and deed of trust, they didn't even follow those simple request, nor answer the questions at hand. I believe the reason is they don't possess those documents sense they are not in the capcity they claim to be, none of the documents that they may have are ligitamate the assignments are incrrect, the notary dates are not the same, when recorded at the county recorders there is no book # or page # its recorded book XXXX XXXX XXXX that is incorrect, there is an assignment from XXXX XXXX XXXX XXXX XXXX  which I don't see how it can be valid the original lender had went out of business months before the date of the assignment, so how can XXXX  be a nominee for some one that no longer exist? At the time of XXXX XXXX XXXX XXXX raid by the FBI those loans should of been re-written and not sold in bulk, qll in all I am quite sure that Carrington Mortgage services does not own my loan as they say they do and I have the right to get answers from my letter that was sent to them and they should follow the criteria set forth in the letter, anyone can forge XXXX digital copy of documents. I have attached what I could the other docs exceed the XXXX mbs limit, they ae available
Product: Money transfers

My son lives over an hour away XXXX. He was out of money and needed to buy XXXX. I read on line that you could transfer money "In 10 Min." from your credit card. The local Walmart is 20 min. away but I thought to save time I could do it on line through MoneyGram. I filled out the info and submitted it. It said processing and I even rec'd a email saying it was processing. I called my son and he went to Wal-Mart to wait on it. It never processed after a hour Wal-Mart closed and he had to go until the next day without XXXX. Luckily with no major complications. I was never told it was denied... I was only sending XXXX and had 30 times that in my account. I believe they are using false advertising and even the Wal-Mart employee said they had a lot of trouble as well..They should have immediately denied it so I could have made other arrangements. I believe they could be putting the publics well being in jepordy by not providing TRUE advertising and Timely response to their transactions and request for info. After over 2 months they responded to my complaint... Here is what they said:
 PLEASE DO NOT REPLY TO THIS E-MAIL!


Dear MoneyGram Customer:

Thank you for contacting MoneyGram.  We appreciate the opportunity to address any questions or concerns you may have.
Unfortunately, the transaction request you submitted has not been approved.  For security purposes, MoneyGram Online is unable to complete your request.  Your funding source has not been charged for this attempt.
We apologize for the inconvenience.

Sincerely,
MoneyGram  
Electronic Operations Department   

Original message: My son needed money to buy his XXXX last night at XXXX as he lives hour away, Walmart was 10 miles from his home. I went on line to Walmart to see if I could send money from my account to him. Your website said send money in 10 minutes from a debit or credit card. I filled out the info and sent it. I rec'd a transaction notice via email saying it was processing. He was at the store and XXXX and waiting. At XXXX I am still trying to see what is happening. I called this morning and talked to your rep who started asking all kinds of personal questions. She said I would have to go to the store. I am very dissatisfied with A. Your service. B. Your lack of Communications that their need to be more information C. False advertising ( transfer money in 10 min.) This could have caused a serious problem for my son not being able to get XXXX.  I will figure out who in the goverment that regulates this and file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello The XXXX credit card was closed by them they went out of business So why did they close the account? 
Its in good standing. 
Now my credit has taken a toll for it?? 
Please let me know. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

I, coming in proper person, and as a consumer and natural person expressed A dispute and billing error notice that was sent to Alliant Credit Union on XX/XX/XXXX at XXXX hours regarding two items that was not what they were guaranteed to be by the seller/merchant, XXXX XXXX  XXXX The first disputed item was in the amount of XXXX USD charged on XX/XX/XXXX. The second disputed item from this merchant/seller was in the amount of XXXX USD also charged on XX/XX/XXXX. The total dispute was XXXX USD. On the initial attempt to dispute I was directed by Alliant Credit Union reps to attempt to work this issue out with the merchant. After reaching out and getting a response from the merchant stating that they were awaiting the fee schedule to return payment I forwarded this info to Alliant Credit Union Dispute Team @ email address : XXXX on XX/XX/XXXX @ XXXX hours. I received a response from that email @ XXXX hours on the same day stating " Thank you for your inquiry. We have received your email and it will be forwarded to a Chargeback Analyst for review. '' It has been almost 3 months and I have not been granted my reimbursement even with the founders of XXXX XXXX going public on social media expressing the intent refund alls consumers who purchased the items. The link to this public announcement was attached in the email sent to the Alliant Credit Union via XXXX.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX opened a collection account for my phone bill. However the issue I have now is that they just added the same collection onto my account again on XX/XX/2023. Not only is it the wrong amount this time but are they even allowed to do this again???
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to limited and restricted customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and efficient measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX I do not have an account with XXXX XXXXXXXX XXXX XXXX I was never provided with any contract! This is a violation of the fair credit reporting act please remove immediately or else I will seek XXXX XXXX of {$1000.00} for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$20000.00}
Product: Debt collection

The company National Credit Systems is attempting to collect a debt that is not owed to XXXX  XXXX XXXX. I have disputed XXXX other collection agencies regarding the same debt. Once the XXXX major credit bureaus removes the collector, a new collections from a new collector is added. National Credit Systems has been disputed with the three bureaus every 30 days for three months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 10. Validate account XXXX Account Number : XXXX Please remove it from my Credit report 11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my Credit report 12.Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

I applied for a home equity loan with Sofi and they denied me based on excessive debt post funding which is absolutely wrong I only have a mortgage and my student loans my XXXX XXXX is XXXX I make over XXXX a year and I'm not behind on any payments in fact I have disposable income over XXXX to {$7000.00} per month so it makes no sense as to why they would deny me. They tell me it's something on the XXXX credit report and XXXX says there's nothing on there so it's very frustrating because I keep getting denied by different companies and there is no reason why I should not be able to get a feel like this is discrimination and it's unfair. I need this loan so I can move forward with my home renovation projects. I've been stalled now for over two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). These entries are in reference to debts that are not mine and should be removed immediately from my credit file. 

The following debts are being reported inaccurately, and I request their removal from my credit report : XXXX : {$13000.00} XXXX  : {$26000.00} XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX : {$2000.00} Furthermore, I would like to emphasize that all debts associated with the addresXXXX XXXX XXXX XXXX are not accurate nor do they belong to me. I have previously submitted dispute letters to the creditors listed above without receiving verification of these debts, which violates my rights under the FCRA. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I am entitled to dispute inaccurate information on my credit report and request that it be corrected or deleted. The reporting agencies must investigate the disputed information and delete any entries that can not be verified as accurate within 30 days. 
Servicemembers Civil Relief Act ( SCRA ) : As a servicemember, if these debts are related to a time when I was in military service, I am entitled to protection from default judgments and certain collections actions. If these debts are erroneously listed as part of my credit report, I request their removal to ensure compliance with the SCRA.

I demand that you investigate this matter and remove these inaccurate items from my credit report. Please provide me with written confirmation once these debts are verified or removed. If you are unable to provide valid verification, these debts must be permanently deleted from my credit file, as required by law.

.

Failure to comply with the requirements set forth in the FCRA and SCRA will leave me no choice but to seek legal action and report non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please consider this matter urgent, and I expect a resolution in accordance with the law. Thank you for your immediate attention to this matter.