23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We entered into a contract with a window company on XX/XX/2021. GreenSKy was the finance company they used. We were qualified and put a down payment of {$3600.00} on Green Sky account and {$4500.00} our XXXX rewards CC.

The remainder was to charged per contract upon 1 ) completion of job 2 ) full inspection with customer 3 ) formal consumer approval 100 % satisfaction per contract language. 

On XX/XX/2021 the final amount XXXX was charged to our Green Sky account. The job was not completed and as of today, XX/XX/2021 we have no windows. 

After numerous phone calls to the window company and also GreenSky that amount was finally credited back on XX/XX/2021. 

After this happened we did a lot of investigating, We contacted the XXXX  and XXXX and both have a file of complaints with this window company and also with GreenSky. 

After months of being told that the windows are not done and the manufacturer was behind, we contacted that manufacturer to find out that our windows had been done since the end of XXXX. They even sent us pictures of our windows sitting in their warehouse. The window company owed them money and they had many many orders basically being held hostage until they paid their debt. 

At this point both the XXXX  and XXXX sent a letter to the window company asking for our down payments back and out of the contract. He did not respond to them. We also disputed the down payments with both credit companies. 

GreenSky did take the {$3600.00} off. Our statement on XX/XX/2021 showed a XXXX balance at which time we closed our XXXX account and received a letter stating it was closed.. Today we were notified that they, GreenSky reopened our account, without our approval and put that amount back on stating that the window company had receipts showing the money they have spent on our windows.

Seven months since signing the contract we have no windows. We have been lied to, our money was taken without our approval. Our windows were also ordered incorrect and according to the manufacturer were reordered 5 weeks ago, they are still not made and in a cue according to time stamp.

We are GreenSky 's customer they have not defended us but backed the window company. We also know from the XXXX in Wisconsin we are not the only one Thank you
Product: Payday loan, title loan, or personal loan

I went into XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX to get a personal loan, and was approved. Over the remainder of the year, I have been making payment bi-weekly that are taken directly out of my bank account. They are charging me 279% interest rate, which is making it impossible to get this loan paid off. No to mention the fact that this is putting a huge financial strain on my family.

I have contacted them numerous times, asking what I can do to get this loan paid off and they continue to tell me I would need to make additional payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I tried to log start a dispute online but they ask my identification questions and I answer the question truthfully and they gave me an error message that the information was wrong. So i called them.If you guys asking me questions that dont have anything to do with me.How do you expect me to answer those questions. Anyways I called them in regards to these inquiries and spoke to a U.S. Representative and after speaking to that person about the identification question and my inquiries she stated that they will be remove and they are still there. This company willl allow people to run my credit illegally but take me through XXXX to remove them. These inquiries were unauthorized XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX
Product: Credit card

Recently I retired, at some point I was not able to continue making payments on my PayPal account. Prior to this situation, I had opened a crypto currently account through their site. I liked the idea because I could make purchases in small amounts. 

However, now that XXXX cant my payments as I previously did, I am unable to access my account in any form or fashion. Each and every time, I try to access the account, I always receive the following messages : something went wrong, please try again ; please enter three email accounts associated with your account ; reset your password, however, when I choose this option, it circles back to enter your email address and we will send a reset link. 

I try this every few months, only to end up in the same vicious circle. I do know that at one point I was past due with a balance of roughly {$220.00} odd dollars. However, I do believe that there was enough funds in the crypto account that would have allowed me to liquidate the account and bring my account current. However, since I was locked out of my PayPal account, I was denied the ability to use this option. 

I dont know, it I believe this practice from PayPal has to be illegal in some aspect.

I would appreciate any assistance I can get. I dont think they should be allowed to hold my funds hostage. As previously mentioned, I do believe there was enough money in the crypto account to have gotten my account back on track, but they denied me this option.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

1. Request that all E-mail 's include " RoundPoint and Loan number '' in subject line! 

This is MY life and my Home I brought my kids and now Grandchildren up. 
I am active in my community and have NO other DEBT. 

Home Equity Loan ( HEL ) Fixed Interest, NO Penalties, NOT a HELOC! 

I seeking the understanding how Roundpoint can charge {$4100.00} over the last 4 month if my payment is {$450.00}? 
I would still make payments or would have paid the loan off in full, if Roundpoint would not have : a ) stopped honoring my payments, and began to return them to me b ) made a counter offer to my settlement offer after they returned my payments. 

One may think Roundpoint is seeking a FREE HOUSE! 

Have I missed payments YES! Why? 
RoundPoint 's way of being helpful resulted in my case, to a 8 month of delinquency! NOT because I didn't want to pay, but because I was actively talked out making payments. After all we were in a settlement negotiation and should save the payments and apply them to the final settlement! RoundPoint reneged on the settlement.

2. Who and What would be considered a 3 party involvement? 

Several Settlement offers were send by myself or my legal council ( past council ) to Roundpoint. Mrs. XXXX XXXX ( Customer Advocate ) mentioned, in a phone conversation ( XX/XX/2019 ) that a particular settlement offer was countered by Roundpoint. 
Mrs. XXXX 's offered to forward Roundpoints counter to my E-mail address by XX/XX/2019 and after she returned from her day off! Still waiting! 

3. Request for any and all Counter offers made by Roundpoint in reference to my Settlement offers.

4. Request for

Roundpoint to show proof how each money order, mailed by certified mail to Roundpoint, was allocated. 5. Request for Roundpoint to show proof how Bankruptcy  Judges order to adjust my account by {$12000.00} in my favor. was allocated! 

6. Request for Roundpoint to show how they calculate {$4100.00} if my monthly payments are only {$450.00}?

7. Request for Roundpoint to quit stalling!!! 

I'm not inte rested in generated monthly printouts but detailed proof that Roundpoint allocated my Payments and honored a Federal ( Bankruptcy ) Judges order! 
I need RoundPoint to show me where the money I paid went! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Now faith is the assurance of things hoped for, the conviction of things not seen.

XXXX XXXX XXXX I can do all things through him who strengthens me.
Product: Debt collection

Company keeps calling to collect a debt that is not mine. I told them not to call, and they keep calling. I do not owe a debt, therefore I will not pay anyone a dime. Cease and desist immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account or my consumer credit file I have tried several times to dispute this collection account with them, but they have not responded to any of my messages. After asking them to provide the full name and Social Security of the person and whom, this account belongs to I have realized that the name on this account is not me this account belongs to a XXXX XXXX XXXX XXXX which is not me, and this name is not present on my credit file. please remove this incorrect information and this collection account immediately. XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  XXXX Balance {$800.00} This account has been transferred/sold, but. This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX. XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/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
Product: Checking or savings account

I bank with SoFi, on XX/XX/year> I made a one time payment to a company crowncoins.com for XXXX, after which, they proceeded to debit this particular account over 30 times totaling over XXXX dollars even after I made sure my payment methods were removed. Not one time did SoFi send me a verification text relating to the charges, not even when there were over 10 charges in one day. When trying to reach out to the merchant who charged my card all these times, I was unable to because there website is now defunct
Product: Credit reporting or other personal consumer reports

Called and emailed the company they stated I my information was correct but it was not and gave the wrong mailing address and phones number. this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This account US DEPARTMENT OF EDUCATION ( CLOSED ) is more than 7 years old. XX/XX/2012 XXXX XXXX  {$14000.00}
Product: Vehicle loan or lease

I AM GETTING HARASSED EVERY DAY AND NIGHT 7 DAYS A WEEK NONE STOP BUSINESS HOURS AFTER AFTER HOURS WEEKENDS AT MY JOB ON HOLIDAYS IT HAS TO STOP
Product: Debt collection

Northstar location services repeatedly calls from different numbers throughout the day and while I am at work even though I've asked for a validation of the debt and not to be called until I receive that where I will then call them back. They refused to identify who they were or what they were calling about until I gave them personal information. The person calling keeps changing numbers to call me in an attempt to confuse me as well as not following through with the sending of the debt validation. So far I've had 3 separate numbers calling including ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the student loan account with XXXX  XXXX XXXX starting with account # XXXX, I disputed the information with Transunion, XXXX, and XXXX. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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.
Product: Credit reporting or other personal consumer reports

Hello, Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted as a result of false information, non privy information and outdated information. Equifax has neglected to correct my information shared with the public
Product: Credit reporting or other personal consumer reports

XXXX XXXX Verify this account XXXX XXXX Is not mine XXXX XXXX XXXX I never have late payments XXXX XXXX XXXX  XXXX Is not mine inquiryss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Hello, I was a victim of Transunion 's inquiry removal/reinsertion issue and they have refused to remove the illegally inserted inquires after I called their customer service center. Their customer service would not help and take care of the negative inquiries shown on my credit report.
Product: Money transfers

I purchased a pair of XXXX XXXX boots from XXXX XXXX XXXX through Paypal on XXXX/XXXX/15. The boots were {$550.00} plus a {$25.00} shipping fee but I never received the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported an at fault accident to XXXX XXXX. And that made my car insurance go up, and now I have 4 points on my XXXX. I sent information to them XX/XX/2020 and still havent heard anything back from them. I continue to call them but Im told they have nothing to do with that. And when I call XXXX XXXX they are telling me that they cant do anything about it because Experian reported it. I sent in police documents from the accident in question. And I even asked them about information on the accident that they reported. And of course I received nothing. And nobody can tell me anything. In the report they can see I wasnt involved in the accident at all. My car was but me physically.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second or third time I have had to address the issue of unverified lack of documented proof of accounts listed below. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. Once again there is still no PROOF OF CLAIM and the items listed below still remain on my credit report. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of the accounts. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA, and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I believe that this decision is unjust and not reflective of my true creditworthiness. I believe that arbitration will provide a fair and unbiased platform to address my concerns and seek a resolution. I am exercising my right to request arbitration to resolve this matter fairly and impartially.
Product: Credit card

On XX/XX/2023 My TD Bank card was compromised by a third party account. I tried several times to resolve this issue and have been unsuccessful in getting a proper investigation. I desperately need your help {$2600.00} has been charged on my account and the bank continues to charge me interest & charges. PLEASE HELP!!!