23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Gurstel Law Firm began threatening litigation with intimidation tactics. They are acting as predatory vultures ; these tactics are event of standard modus of operandi aggressively ligating citizens, veterans, and seniors. 1. My identity was stolen verified and confirmed from several institutions. 2. Use of intimidation when they came to my house. 3. Im a veteran of the United States XXXX, I will not be threatened or intimidated. 4. Extortion threatening litigation with examples of their known tactics using the court system! Several class action lawsuits have been filed, settled or pending against Gerstel Law firm. See below examples of a history of aggression against litigants and veterans : XXXX v. GURSTEL CHARGO, PA A district court is required to consider four factors in making a final determination that a settlement is fair, reasonable, and adequate : ( 1 ) the merits of the plaintiff 's case, weighed against the terms of the settlement ; ( 2 ) the defendant 's financial condition ; ( 3 ) the complexity and expense of further litigation ; and ( 4 ) the amount of opposition to the settlement. In re XXXX XXXX. XXXX. Cost Recovery Fees Litig., XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). A court may also consider procedural fairness to ensure the settlement is " not the product of fraud or collusion. '' Gurstel Law Firm , P.C . and XXXX XXXX I, XXXX are the defendants in a proposed class action accusing the XXXX defendants of unlawful debt collection practices. Federal lawsuit alleges that collection law firm Gurstel Chargo told XXXX veteran that he should have died. By XXXX XXXX on XX/XX/XXXX A Minnesota-based collection law firm, Gurstel Chargo, is in the news after allegedly making some incredibly insensitive and offensive remarks to XXXX XXXX, a XXXX military veteran. According to a lawsuit filed in U.S. District Court in Arizona, Gurstel Chargo garnished the bank account of XXXX wife. The lawsuit alleges that the garnishment froze the veterans benefits that XXXX wife received as a result of XXXX XXXX, which a judge later ruled were exempt from Gurstels garnishment. But according to the lawsuit, when XXXX called Gurstel to get the money back, an unidentified legal assistant allegedly told him that he would have to sue in order to get the funds back. When XXXX tried to explain that the funds were exempt veteran XXXX payments, the lawsuit alleges that the legal assistant told him F you! Pay us your money! You cant afford an attorney. You owe us. I hope your wife divorces youre a. If you would have served our country better you would not be a XXXX veteran living off social security while the rest of us honest Americans work our a- off. Too bad ; you should have died!
Product: Credit reporting or other personal consumer reports

I submitted a complaint through the CFPB portal, and asked to remove a credit reporting error, but it was not deleted. The error from XXXX XXXX reports the monthly payments as late, even though it was a charge-off from more than XXXX years ago. 

The recent update shows a check mark for XX/XX/year> suggesting that a payment was made. This is a second violation for reporting incorrectly and must be removed to stay in compliance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).
Product: Money transfer, virtual currency, or money service

I have been using PayPal for years, making purchases on XXXX and others. I made my first sale on XXXX and the funds were sent to PayPal on XXXX from a sale. I now have a balance sitting in my account for {$96.00}. I can't seem to set up a way to have it transferred out of the PayPal account to my credit card that is linked to the account, nothing can be set up on their website because it just doesn't work right. I gave up on waiting for hours on the phone and trying everything that customer service told me to do, so I clicked on the radio button that said just send me a check. That doesn't work either. First customer service told me my address wasn't verified, then they told me I had to link a bank or checking account in order for them to mail me a check. I don't want to link my banking information with them, I just want MY money minus the fee that they charge to mail out the check. Aren't they wrong keeping my money? Can you please help me?
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. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
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 XXXX has me at a score around XXXX. 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 XXXX  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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : 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 I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Checking or savings account

I submitted a withdrawal from my checking from BlockFi on XX/XX/2022. I received a confirmation email and verification code that my withdrawal was submitted for processing : Your BlockFi verification code is XXXX. 
If you have any questions about your account, please contact us at http : //www.blockfi.com/contact or call us at XXXX. 

I have attached both emails. It's been ten days, no funds has arrived and no email explaining why funds have not arrived or if the process is pending. The company claims it was honoring withdrawals made on this day, the day before they announced they were going to limit access and not allows customers to fund or make withdrawals.
Product: Credit card

I would like to make a complaint against XXXX and Bank of America. XXXX charged me {$10.00} a month for a daycare service which I did not use. They did this for 14 months for a total of {$140.00}. I never agreed with them to charge me or take money out of my Bank of America credit card. I do have an account with XXXX for gym services only. However, I never agreed to be charged for the daycare which they just added without my permission. I notified Bank of America and they would not reverse the charges so I would like to complain against them as well.
Product: Checking or savings account

I have a Savings Certificate from XXXXXXXX XXXX, dated XX/XX/XXXX, worth {$5000.00} on maturity date of XX/XX/XXXX. I've been saving it for retirement. XXXXXXXX XXXX merged with XXXX and then Wells Fargo. 

Wells Fargo says they have no record of it. I have record of it! Wells Fargo has assigned a few Case Managers to help. When I hear nothing from them and call them, I am assigned a new Case Manager. I have been going in circles.

I have been in contact with the following : Wells Fargo in XXXX, MN, XXXX XXXX, SD, XXXX, NC, and XXXX XXXX. Office of MN Attorney General XXXX XXXX ( They encouraged me to contact you ), and Unclaimed Property,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Capital One Bank, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.
Product: Debt collection

The debit card I used for XXXX expired and I didnt realize it. The account was charged off in XXXX and was sent to Credit Collection Services. I didnt find out about the collection until early XXXX from a mortgage credit report. As soon as I saw the collection I called XXXX and paid them {$450.00}. They said they would alert Credit Collection Services and that the account would be removed from Credit Collection Services and it would be deleted. 

Another phone call to check on their time frame got me a different story and was instructed to all Credit Collection Services. I asked about getting their account removed from my credit report. They said they couldnt. They said they mailed me a collection letter on XX/XX/XXXX. I said I never got their letter and that I have my office staff open all my mail business and personal. I reminded the collection agent about not getting notified so my fair debt collection practices act rights were violated. She said the just because I didnt receive their letter doesnt mean they didnt mail it. I couldnt believe those words came out of her mouth. 

I want two things - # 1 get the collection account deleted from my credit report. 

# 2 I want to file a report with the FTC and join whatever class action suit that is being mounted against Credit Collection Services. With the glib attitude I encountered with them I bet they have done this to tens of thousands of people. My credit report is clean. I made a mistake and took care of it immediately after I found out. I found out by a credit report not the notification that a Federal Law guarantees me. Until this is resolved my business lending capabilities have come to a complete halt. There is zero chance I would let a {$450.00} collection wreck my business. I was not notified.
Product: Checking or savings account

Continuation of complaint # XXXX Correction refund of {>= $1,000,000} I received received a XXXX XXXX XXXX around XX/XX/year> requested to be sent to me by XXXX department XXXX Before XX/XX/year>, I called into XXXX to update my method of payment from a US Bank account. The customer service representative said she did not see a benefit XXXX XXXX XXXX on file for me. My benefit payments were sent to a US Bank account.instead. The bank account was closed by the Bank without my knowledge alleging fraud when I tried to use my account for Pave payments from my business. It is very ironic that there was no account closure or fraud alert with the US Bank when someone with a XXXX account debited {$500.00} XXXX time from my account ( {$2000.00} ) The most recent payments if {$12000.00} was held by the bank and never sent to me. A informed delivery notice from XXXX was sent in the mail with a piece of mail from US Bank expected to arrive on XX/XX/year>. I never received the mail and it was returned back to US Bank with a message undeliverable. The correct address and receiver information was noted on the returned envelope. 

To XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15USC 1681 ( a-l ) Everything should fair and accurate, in a timely matter. 
They have refused to remove this erroneous mark on my report and are violation of my consumer rigths. 

During the COVID-! 9 pandemic the year 2020 everything was locked down. 
During this time we were protected from negative reporting on my credit reports. 
Experian, XXXX and XXXX have violated might continually reporting late payment on my XXXX XXXX accounts. 

All these accounts have never been late, this was during during pandemic 2020. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and along with inquiries with that I did not authorize but EXPERIAN and other credit bureaus have refused to delete, these inquiries were during the times that my credit report was already under a fraud alert. My fraud alert was put on in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I want these unauthorized and inaccurate info my report deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Debt collection

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern at Equifax, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse Account number XXXX XXXX. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. am not in dispute of the ownership of the account but it you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. Best Regards, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

I told them I had to defer cause I didnt know the full scope of my debt. Also, theres so many inaccuracies on my credit report dating back to 2010 from Nelnet
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I Have The Right to privacy.

15 U.S.C 1681 section 602 A section 2 states a consumer reporting agency Can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a bankruptcy on my credit report. Upon reviewing my credit file, I noticed that a bankruptcy has been reported under my credit history. This information is inaccurate, as I have never filed for bankruptcy. 

In addition, it is my understanding that the Bankruptcy Court does not report information about bankruptcy cases to credit bureaus and does not verify the accuracy of information maintained by credit bureaus. Therefore, the presence of this information on my credit file may be due to an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I request that you investigate this matter promptly. If you are unable to verify the accuracy of this bankruptcy entry, I demand that it be removed immediately from my credit report. 

To assist with your investigation, I have attached a copy of my driver 's license, proof of address, and a copy of the relevant portion of my credit report highlighting the incorrect bankruptcy entry. 

Please notify me of the results of your investigation as soon as possible. I expect this matter to be resolved promptly, and I request written confirmation of the removal of this inaccurate information. 

Thank you for your attention to this matter. Should you require additional information, please contact me at XXXX Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The original document shown below shows the vehicle contract is void due to illegal duplication of my signature ie the highlighted signature had the exact same time stamp down to the second on 2 very different contract lines one for extended warranty and the second binding me to the loan documents which are missing the vin and miles ie the other highlighted area. Then they altered the document again in 2024 adding the vin and miles to the void original loan after using the void document to pursue a judgement against me. Which is also attached showing they added the vin and miles. All these actions fall under fraudulent writings and altering a contract without consent.
Product: Debt collection

I received a bill from Transworld Systems Inc of XXXX OH saying that they were collecting on an unpaid bill, supposedly owed to XXXX XXXX XXXX. 
I have never owed money to XXXX, and my credit report shows that there is no outstanding balance to any company. 

Next to the bill 's amount XXXX {$240.00} XXXX is the line " File # XXXX '' Again, I do not owe this money and I am not willing to sit on a phone for an hour trying to iron the problem out.
Product: Debt collection

Care credit was already notified that there was no proof of contract but still reported I owed them