23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Company : PayPal : Problem : Communication made impossible. 
Date : XX/XX/year> I wanted to ask a question about PayPal Credit Card rewards. They have information about this on their website, but what it actually means is not clear to me. I wanted to give several examples of transactions and ask what the reward percentage would be for each example. 

I called the PayPal XXXX Customer Service telephone number on the back of the credit card, XXXX. The call was answered by a computer. It took several minutes of trying before I could get the computer to tell me that it would connect my call to a person. I don't recall the exact words used, but the recorded message indicated that it would be a while, but not too long, before my call would be answered. Then came the tactic to discourage one from waiting : A short musical phrase repeated several times, a message that the call was important to them, and would be answered soon. A pause, then a repeat of the identical music phrases and message. ( A way to encourage one to wait would be pleasant music with an occasional reassuring message ). 

After a few minutes shy of an hour, XXXX came on the line and asked if she could help me. I said that I wanted to get some information about the reward percentages. She said something about " cash account '' and then I heard no more. I said " XXXX? XXXX? hello? '' Then I waited. She never came back on the line. After quite a few minutes, the call was disconnected. I tried the " Chat '' service but it replied that it couldnt answer my question. I searched for an email address for PayPal but could not find one. 

It seems to me that this company should have an easy and reliable way that their customers can communicate with them. 

Perhaps your intercession could get someone from PayPay to communicate with me and answer my questions. 

Thank you.
Product: Money transfer, virtual currency, or money service

Wire transferred $ XXXX to COINBASE to invest in CRYPTO XX/XX/XXXX & with some difficulty fulfilling all requirements account established & purchased crypto. 
XX/XX/XXXX, wire transferred another $ XXXX, followed same instructions & they received, & after three cases XXXX on XX/XX/21, another case XXXX on XXXX, last Case on XX/XX/21 XXXX, each time calling them on the phone & waiting over hour n half only to be told that everything looks fine & didnt see any problem & each time told couldnt resolve issue after some investigation & told me they would forward to higher authority to release account to enable me to use wired money to invest in crypto as I requested. 
NOW, going on 30 days holding my money without them offering any understanding of why wont allow since already invested the XXXX wire transferred on XX/XX/XXXX? 
The last outcome after calling once again, said hold time 30 minutes but took TWO HOURS, representative said she once again didnt understand why after her investigation was not able to trade??? She said she would consolidate all three cases to higher authority that would only communicate through email only after there complete investigation. 
Totally at my whits end with what can be done?? 
REQUEST to either allow me to trade or wire transfer my funds back to my financial institution. 
Email XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Cell # XXXX My name is XXXX XXXX
Product: Debt collection

I contested the debt though XXXX and they claimed to have verified the debt, however they gave no information about the investigation nor how they came to the determination that I owned the debt.
Product: Debt collection

Received a letter XX/XX/2021 from XXXX XXXX XXXX XXXX claiming I owe {$500.00} to PayPal and they are willing to take a settlement payment of {$370.00}. I contacted PayPal immediately and they confirmed I do not owe them any money, my account is in good standing and that this collection agency is attempting to collect a debt that is obviously not mine. I went to the website of this collection agency and did not feel comfortable calling the customer service phone number and I believe this is a scam and or someone trying to commit fraud. I contacted an attorney already as well as XXXX  and made them aware of this matter.
Product: Debt collection

Vision Financial keeps calling me from different XXXX Oregon phone numbers and the last one came on XXXX/XXXX/16 and left a message on my cell phone saying to call the company in regards to a debt. Did not say what for or even an account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Date of Application for Financial Loan- UNKOWN . 
- Possible of Forgery of Complainant 's Signature. 
- Predatory Lender 's Acceptance this Application for Loan. 
- My Sister wanted to obtain Solar Panels to lower Electric bill. She asked me my opinion about Solar Panels. I told her I do not know much about them ; but if the Panels really decrease the electric bill then I guess they are ok. 
- I also told her that if she gets them that's her project. I can not afford to help pay for them. 
- On my USPS.com app. I noticed a weird letter envelope from a Company I did not know about. I asked my sister " Why were our names are on this strange Envelope? '' I told her I want to read it after she's done. She avoided my request 3 times and never got to read the letter in this strange envelope. [ Refer to Attachment Envelope. ] - On XX/XX/2020. I wrote to Ygrene Company. Told them I did not : Recognize, nor have any business relations, and did NOT SIGN ANYTHING with this Company. I requested if any documents that had my signature on them to email them as an attachment to my email address. 
- Remove my name from what ever. I told this company I do not get involved in my sisters affairs, and told them this matter must be between you two. [ Refer to my letter 2 Attachments ] - XX/XX/XXXX, XXXX Ygrene emailed me a letter attachment.. States ; " Addressed to the Owners of the Property. As a Reminder, the financing is tied to the Property only, instead of the Individuals, and is repaid over the financing term through the property taxes. '' Also stated Property was .removed off mailing list. No it as not been removed from the mailing list. 
- NOTE- NO COPY OF CONTRACT SENT, AVOIDS ANY ACKNOWEGEMENT ANY SIGNED DOCUMENTS WITH MY SIGNATURE ON THEM. 
- Sister 's Trusts Litigation Confirms that we as sisters had Accepted a Settlement Agreement to not repay Trusts amounts with money but settled this matter accepting one half of property value/worth to be gifted to me and son from my sister. DA closed the Trust Case. 
- I DID NOT SIGN ANY CONTRACT FOR A XXXX LOAN ; AND WAS NOT SERVED WITH ANY SIGNED DOCUMENTS WITHIN THE LEGAL TIME TO HAVE DELIVERY TO CONSUMERS. 
- BOTH ENITIES ARE AVAIDING CRUCIAL ANSWERS TO MY LEGAL CONCERNS THAT FORGERY AND THIS LENDER IS A PREDATORY LENDER IS A GREAT POSSIBILTY I AM CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion..sadly a scam. They never post a drop in debt to income and the report rarely changes because it is NOT REAL TIME. FURTHERMORE unauthorized used hit my credit dropping the score. I can not shop without getting a lower score. This is by all facts and hundreds of reports a fraudulent system. I submit my score only to he told it's XXXX or XXXX points lower band then I'm told they use the credit bureau score. If so how can their score be lower. Because they use their own algarithims and credit reporting suppliers. Giant scam.example today... paid debt but score dropped XXXX XXXX Learn more Experian Data XX/XX/2022 XXXX XXXXr XXXX See all 3 Bureau XXXX XXXX Credit Usage 89 % Total Debt {$160000.00} Open
Product: Vehicle loan or lease

My vehicle under lease was hit by another driver, and deemed damaged beyond safe repair by my insurance company. My insurance settlement payout was structured to a value that would assist me in replacing the vehicle with a comparable one in the current market which has changed drastically since the car was leased in XXXX. Thus, the insurance settlement was larger than the XXXX XXXX XXXX XXXX BMW had provided me on XX/XX/XXXX ( states it is good through XX/XX/XXXX ). I was then advised by BMW Financial that they would be attempting to take my entire insurance settlement instead of just the lesser Payoff Quote - and would not allow my insurer to refund me for the difference. Apparently they feel entitled to profit on this and other accidents. I've checked with my insurer, and they said this is not a common practice by other leasing companies- most rightfully let the policy-holder keep the remainder of the payout. BMW has since said that the payoff quote has now been invalidated and purchasing the car early is no longer an option- they will only accept the full insurance settlement. When contacted about this, they sent me a letter mentioning the threat of negative credit reporting if they don't receive what they want- including any lease payments while my insurance payout is pending. 

A car accident serious enough to be totaled already caused me to waste an entire lease payment on a car I can't use while I had to deal with the insurance company for weeks, and incur expenses on buying a car in a market where the prices have gone up drastically. 

BMW Financial Service 's reasoning was that they were able to do so because language in the lease allowed them to do so. While only a court of law can say if the language in the lease is completely accurate and binding, only an individual with an absolute lack of morality would be able to say it is just for a large corporation to take a customer 's entire insurance settlement simply because they can. If you're familiar with the XXXX family who owns much of BMW, and have read the XXXX article about the family 's history of using forced labor in XXXX during the second world war, this lack of morality shouldn't be surprising- but it is surprising that a company of this size operating in XXXX would be allowed to create financial difficulty for American consumers simply because they can get away with it using specific legal language.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to equifax with three letters with no response at all.

I also sent letters to XXXX, Equifax and XXXX  asking for them to verify certain accounts with the following law below but no proof was sent by any collection agency or original creditor.

" You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im gon na say around XXXX to XXXX I saw a lot of pre-approvals on credit karma at first I didnt pay it no attention but credit karma kept sending me all sorts of different preapprovals telling me that I was pre-approved for credit cards, personal loans, personal loans and that I can refinance my car. Every day I would see these offers every time I log in to check my credit scores, so after a few months of being told that I was preapproved. I thought I was now in the perfect place to apply. I got so many offers through credit karma, I started telling my whole family about vacations and investments. We were going to use these pre-approvals for. So I applied on or around sometime in XXXX and I got denied for XXXX credit cards credit cards and a personal loan I was distraught I was XXXX very angry and I felt deceived. I was marketed to for months, so credit karma told me that I was preapproved, this was a lie. I was severely stressed out, i was in the XXXX. I was nauseous for weeks, I had XXXX so bad I became XXXX and XXXX  skyrocket. Now every time I see preapprovals I immediately close my phone and close my computer. I stop checking my credit as frequently as I should
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently just received a copy of my credit report and have noticed that you reporting me as late on an account for which I have been late. Could you please investigate this matter as soon as possible, as it is a serious issue for me and my credit score? I can assure you that I have never been late on this account.
Product: Credit card or prepaid card

Between XX/XX/2023 through XX/XX/2023 my credit card was used with this business for over {$4000.00}. I have reported to the company Synchrony that these charges were fraudulent. I filed a claim with the credit card company and XXXX. Claim was denied. This is apparently an online betting service. The XXXX company refuses to give any accounting of any accounts that they have attributed to me. The company has several complaints about the same thing that happened to me. XXXX has received over {$4000.00} from this credit card in small increments within 7 days. This activity is not like any activity I have ever had with any synchrony card. This should not have been allowed to go on without speaking to me at the very least. I called the fraud department after they rejected my claim. This card per its terms of service has a protection against this exact thing and also says the same thing on the letter I received about my claim. I requested they send me what XXXX provided the bank that allowed them to deny my claim and to see what information they received I was told they had no documents and the company just said they verified my email address and simple things like that, but nothing else. I was told that they had no documents they could send me to show me what information was used about the XXXX transactions that allowed them to deny claim. They said they could not send per policy. I asked that I be sent that policy. She said she couldnt. I asked who her boss was and she said she did not know. She did say they reopened the claim, but I do not see any evidence that it has. The funds that I have filed a claim on are not removed from the credit card, which is affecting my credit score in a negative way.
Product: Debt collection

In 2020 I open a credit card account with XXXX i didnt receive a physical car or anything but there was a account that I could use to make purchase online so I bought some speakers I was in New Jersey at the time visiting they to me that the items would be delivered the XXXX  because I made the purchase on the XXXX  so I went home the XXXX  so i could get them but didnt get anything I ask my neighbors if they see anything they said no I call XXXX they told me that they deliver the items on the XXXX  I told them i didnt get them they said it was delivered I ask to who they cant tell me I contact XXXX and explain to them and they pick sides with fedex instead of investigate the issue so I refuse to pay for something i didnt receive because XXXX always let people sign a signature for their items and if they delivered it to someone how come they cant tell who signed for it? I ask XXXX to closed the account and they didnt they kept it open and keep sending up the payments and interest on me then they send it to collections and now the collection company is suing me for a amount that I dont owe into a different state
Product: Debt collection

On XXXX XXXX at approximately XXXX I was startled by a loud knocking at the door. I knew I wasnt expecting anyone and also not many people knew my address. The banging continued and became more aggressive so I believe it might have been an emergency, when I opened the door I was met with a unfamiliar face, this was a random XXXX man around XXXX XXXX maybe in his XXXX with a very thick accent. I started recording and asked him who are you, he put his foot in my door preventing me from closing the door and threw a paper at my face, when I grabbed it he stated he is a messenger for Portfolio Recovery Associates LLC and Ive been served. This man started calling me a XXXX XXXX and stated pay your XXXX bills. Ive never seen this man in my life and because of this aggressive harassment from Portfolio Recovery I have to move. They have also showed up to the XXXX XXXX were I work and shared personal information regarding my finances to staff at my job. I tried to contact them and still havent received a response. According to The FCRA, 15 U.S Code 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collected to seize further communication with the consumer. The depth collector shall not communicate further with the consumer with respect to such that. My rights have been violated and I want this collection removed off my account. This interaction with Portfolio recovery was recorded. My account number with them is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im experiencing the credit bureau companies unfairly reporting by mostly posting negative feedback and never mentioning positive feedback, ALL my personal info is either incorrect outdated, or missing. Theres loans and accounts that Ive successfully paid missing and accounts that were fixed continues to remain affecting my score. Ive recently noticed a collection account that is completely strange to me, i dispute it by explaining that I dont recognize account and I have no pending debt I have everything paid that took place on those Service dates in fact the company that medical transportation isnt the same as the report and service date is wrong and the balance due is also wrong so Im complaining here because no one is helping me update my info nor has anyone actually confirmed that its the right account, please help me
Product: Debt collection

I contacted SCA Collections concerning this debt. They sent a letter dated XX/XX/2019. They sent me copies of records from the original creditors. These records were placed in my name, unbeknownst to me, for pathology services for someone else. The address listed was the address of my ex-wife, XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX. The listing is in my name but I never received these services. I'm looking into this as identity theft from what I assume is my ex-wife to whose address this was listed. I do not know the health professional listed, XXXX XXXX, either. This needs to be investigated as my information was most likely used fraudulently. The total for this bill is {$110.00}.
Product: Credit reporting or other personal consumer reports

I was part of Equifax Identity Data Breach Settlement, and I am filling this FTC Identity Theft Affidavit to report an account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of personal loans open from XXXX XXXX XXXX opened XX/XX/year>. This account have resulted in a fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

This CFPB compliant has been filed to request pursuant of FCRA 605B ( 15 USC 1681c-2 ) that you, Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft during the Equifax Data Breach and fraud within 4 business days of you receiving this compliant. This fraudulent inaccurate and false information consists of personal loans open from XXXX XXXX XXXX opened XX/XX/year>. I have attached a list of this fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collection appearing on my consumer report maintained by you were not opened, made or initiated by me. All of the aforementioned account and collection are the result of identity theft and fraud. I have attached a copy of FTC Identify Theft Criminal Complaint case number as proof form the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiry are result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries 15 U.S code 1681n XXXX of pulls Collections, Charge offs, auto loans, student loans, credit cards : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Medical bill : You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Action to put underneath each item : 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 The Following Must Be Deleted ASAP!! 

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: Debt collection

I have made payment in Full to the collection agency ( Receivable Performance Management-RPM, Washington State ) since XXXX 2014 and after several calls to the Debt collector, the information still remain on my credit report as the OPEN unpaid. i have called them several times in XXXX, XXXX, XXXX, XXXX and now XXXX to correct this error and they promised to remove but have not done anything. This inaction is affecting my credit despite making full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was deleted by two other bureaus but one wont delete it and continues to report it to my credit illegally.