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

I attempted to send {$370.00} to a friend at work who arranges sympathy bouquets and meals for bereaved co-workers. 

The following is the email I received from PayPal : Dear XXXX XXXX, As part of our security measures, we regularly screen activity in the PayPal system. During one of these screenings, we noticed an issue concerning a recent transaction. 

In connection with the issue, PayPal 's Compliance Department has reviewed your account and identified activity that we have a couple questions about. 

To resolve the compliance inquiry in a timely fashion, PayPal is requesting that you provide the following information : On XX/XX/2020, you sent a payment ( XXXX ) for the amount of {$370.00} for, " Benevolence fund. '' Please provide the following information : An explanation of the reference to " Benevolence fund. '' The purpose of this payment, including a complete and detailed explanation of what is intended to be paid for. 

To provide this information, you can go to the Resolution Center. To  access the Resolution Center, log in to your account and click " Help '' at the top of any page, then click " Resolution Center. '' If you experience any issues in providing the information via resolution center, please email XXXX. 

We thank you for your prompt attention to this matter. We apologize for any inconvenience. 

Sincerely, XXXX PayPal Compliance Department 2020 PayPal XXXX Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 


I am unaware that any financial institution or company is allowed to ask for this amount of detailed and frankly personal information for a money transfer of this small an amount. Do we live in former XXXX XXXX or XXXX XXXX? I would ask that you contact PayPal and investigate this practice XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on many occasions this account is in Litigation with XXXX states on agreement of the lawsuit this account should be deleted from all bureaus its deleted from XXXX. But XXXX   and Equifax wont delete it ... I have documents from my Attorney General and screenshot pictures of this account removed from XXXX  ... XXXX filling a complaint on both Bureaus XXXX  and Equifax the account is XXXX XXXX this company is known for subprime loans they give large interest rates loans to customers that cant make payments with low credit scores. Inaccurate reporting to bureaus.
Product: Mortgage

In XXXX XXXX XXXX my father died after being sick for some time. He had become delinquent on his home mortgage, which we tried to get up to date while he was on hospice care. FlagStar bank then refused access to us in order to make payments on the house. I have since not paid and have been trying to seek loan information from the company. Instead of putting my name as the executor of the estate on the information, they have been sending information to my deceased step-mother , who died 4 years prior. They have ignored request for change of address and continued to send information to the wrong location. I spoke with them for an hour today to discuss what happened to the roof check they needed to endorse for insurance purposes, as we are trying to sell the house. Just today they went to the house and changed the locks and I was not notified of any foreclosure notice or any intent to do that. They have been incommunicative already, let alone not warning us of this happening, likely at the very moment I was speaking to them.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$11000.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX  of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, who lived with me for XXXX years, stole my identity during his stay. He made unauthorized copies of my Social Security card, drivers license, and birth certificate, then used them to open numerous accounts in my name without my permission. I am doing everything I can to resolve the financial mess he created, but his actions have left me with significant debt affecting my credit report. Ive filed a police report, but there is little else I can do as he is currently untraceable. 

After extensive research on the best steps to take, I am filing this CFPB complaint to request that Experian, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report resulting from identity theft. This action must be completed within XXXX business days of receiving this complaint, as required by the law. I have once again provided the relevant information about the affected account below : INQUIRIES XXXX XXXX M Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I do not recognize these inquiries and did not authorize them. Due to the malicious actions of a former roommate, I am now left dealing with the impact of his fraudulent activities. These inquiries were not made or initiated by me and are the result of identity theft. I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ), along with several FTC Affidavits previously submitted to Experian, as evidence from the U.S. Federal Trade Commission confirming that these inquiries are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Other financial service

I periodically send money through MoneyGram International "housed" by Wall Mart XXXX
XX/XX/XXXX, I requested for a copy of my XX/XX/XXXX transaction with the company. The Wal Mart branch told me that it is the headquarter XXXX that handles such matters. I was asked to direct my request to:
The Manager/Supervisor, The MoneyGram International, XXXX Tel. XXXX.
I contacted it. The employee who attended to me by phone asked me to go on-line on their website to make my request. I did as required: 1.) a photo id,  and 2.) $XXXX fee. I sent the XXXX as required the address above XX/XX/XXXX.

When I did not hear from the company XX/XX/XXXX, I called. I was transferred from one employee to the other. When no one could produce an answer, I requested to speak to the supervisor. It was the most frustrating moment. I was put on hold for 0ver XXXX minutes with annoying music playing in my eyes. I had to hang up without answer.

I went back to Bank XXXX from where I bought the $XXXX money order. On around XX/XX/XXXX Bank XXXX confirmed that MoneyGram International cashed the money order XXXX XX/XX/XXXX and produced a copy of the endorsement by MoneyGram International.

When the company would neither refund my money nor produce the requested copy of my XX/XX/XXXX transaction, I , XX/XX/XXXX went back to their branch in XXXX to report what had happened. Once again, I was asked to direct my complaint to the XXXX headquarter. On the same day, I got on phone to ask why he company would get my money and not meet my request. The response was frustrating and disgusting for 45 minutes: it was a merry-go-round transfer from employees who identify themselves as XXXX assuming they gave my correct names. I told XXXX that I have had enough transfer and would like to speak to the supervisor. "Hold on," she said and left me on phone for another 30 - 35 minutes with the usual aggravating music. I hung up. 

I waited 40 minutes and called again. The same thing happened. This time, I was transferred XXXX, Before he could ask for another transfer, I asked him to let me talk to the supervisor. "Hold on," he said and started playing the usual horrible music  my ears. He neither came back to attend to me nor did any supervisor pick up the phone until I gave up after XXXX minutes.

This is my case. I have endured this unethical, irresponsible, and unprofessional treatment from MoneyGram International. The company gives me the impression that it is a bunch of cronies, operating a business to see how much dupery they could get away with  outside he XXXX headquarter. 

I will appreciate your intervention to right the wrong.

Thanks.

P.S I have a copy of the endorsed money order
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK USA/TARGET CREDIT did Hard Inquiries on XX/XX/2022 without my notice
Product: Credit reporting or other personal consumer reports

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off approximately 80 % of my credit card utilization ( about XXXX  ) XXXX  and Transunion dropped my score 26 points. 
Upon investigation on each ones website on the FAQ 's it states factors that affect your credit score The main one is Used : Credit vs Available credit. 30 % In reality they do not take into account the Available credit and now only use the 5 cards I have open as the metrics for my score.

This is an unfair practice, even the agencies couldn't explain why I dropped 26 points
Product: Credit reporting or other personal consumer reports

My social security number was leaked in a Data Breach with XXXX XXXX and recently received a phone call regarding credit cards that were used with my information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the disputed items which I want to removed by the Credit Bureaus : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have enclosed copies of documents that support my claims, including attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address correction. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Product: Mortgage

My complaint is against the Escrow Department with BB & T Mortgage. I have tried numerous times to resolve this issue. I have Paid my mortgage payment on for over 15 year, even through a bankruptcy. My home value in XXXX XXXX Georgia is XXXX or more according to XXXX XXXX assessors office. I pay taxes on a home valued at XXXX. But BB & T bank is valuing my home at XXXX for the last 9 years with no increase in value. I pay my taxes and insurance payments out of my own pocket not from Escrow. this past year. .How would any person feel paying property taxes on a property that the bank is saying is worth half of what I 'm paying taxes on ... .Enough is Enough BE Fair
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Good day to you! I have written to all 3 Credit Bureaus to update my address to only. I told them that I have no idea why the collections were on my report because I never lived at the addresses on my report, and that I sent them a letter from a clerk at the court stating that they do not verify with the Credit Bureaus and I have not received any reply as yet. Today is XX/XX/XXXX and I wrote the letter since XXXX XX/XX/XXXX. The issue has been going on since XXXX. I have 31 hard inquiries and I dont know how it got on my report. Im a XXXX XXXX veteran and Im tired of dealing with the stress each day with them not correcting my name and personal information. 
Thank you! 

Very Respectfully, Concerned XXXX XXXX Veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the President of XXXX in XX/XX/XXXX about inaccuracies with my credit report. XXXX from the office of the president reached out and way coy about my files I had two private student loans that were both charged off in XX/XX/XXXX. Everytime I dispute and request for the information to be accurate on all credit reporting agencies. XXXX then re-ages the account which causes the account to continue to stay on my account longer. And Experian continues to report 90day lates while nothing is reported to XXXX. Again another FTC violation. 

This is deliberate for me not to request the accounts to be removed for inaccurately reporting. XXXX has removed both accounts because the information is incorrect. XXXX and Experian should be moved ASAP. Otherwise Im forced to file a lawsuit.

At this point there are multiple FTC credit reporting violations that have occurred and both accounts must be removed and XXXX is doing everything to report inaccuracies to credit bureaus while hurting my credit while I have called all of this out. Even XXXX and Experian are not helping. Experian continues to show 90 day lates every since month while XXXX does not. 

Both accounts should be removed ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed immediately from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$930.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Viewing my new monitoring services i noticed an account not belonging to me from company GENTRY FINANCE. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello all my accounts where paid in full but its not reflecting. its the 2nd month I'm going for a mortgage and it seems to not being updated. Please have the companies update my accounts on my credit report god bless XXXX XXXX  card : XXXX - available : # XXXX XXXX/XXXX  card  : XXXX -available : {$10000.00} XXXX/XXXX card : XXXX - available : {$8900.00} XXXX  XXXX card:XXXX- available : {$9000.00} XXXX  card:XXXX- available : {$5200.00} XXXX  XXXX  card:XXXX-available : {$1000.00} XXXX   card:XXXX-available : {$6000.00} XXXX XXXX
Product: Credit card or prepaid card

My financial life is under attack. 
The bank gave me a credit line of over draft protection and some sicko system has gotten its hands on it's algorisms. 
It will not honor the protection the account was assigned. 

Also, in addition of this, XXXX was refunded by the merchant regarding a failed attempt at travel, with the company on the XXXX. XXXX stated their was issues getting trains out of the XXXX South Carolina Area. Did issue the money and within a day the bank told me it was pending to go into my account. 
All of a sudden on the XXXX the money has disappeared and the only thing they can say, is that it will hit the account some time. At this point I now believe there is a thief at the bank using customer 's money and then putting it back when and if they feel like it.
Product: Debt collection

The caller most likely appears to be Allied Interstate but I can not find any definitive answer on this as they have done an exceptional job of obscuring their identity. They number that they call from shows up as XXXX on the caller ID with a name of " Toll Free Call ''. 

Every business day for well over a month the caller has called me multiple times per day. Additionally they have made contact with me personally multiple times in a single day. Every time I have not answered the phone and let the machine get it no message is left. They obfuscate their identity on caller ID as it shows up as " Toll Free Call ''. The first time I answered there was no one on the line so I hung up. After that when I have answered I personally have told the calling company to never call me again. I have personally told them to never call me again multiple times in a single day. Each time when I have told them to never contact me again the line has disconnected. Below is a listing of the dates and times ( central time zone ) when they have contacted me and been told to not contact me. Additionally below is a listing of the times when they have called me and I have records of the call as I did not start recording the date and times of their calls at first. There are additional calls as my phone only records the last time when they called and indicates the number of times per day they have called before that. Each business day that they have called they have called multiple times. 

Dates and Times when I have told them to never call me again : XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX Dates and times that they have called me ( incomplete list ) : XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've sent letters to the compines and no reply
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B2 company also has no permission to report anything using my info pursuant to 15 USC 1681 B4
Product: Credit card

Synchrony Bank XXXX XXXX account is still showing up on my credit reports and with a balance even though the account was transferred to another party that is actively collecting on the same account.