23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, I noticed that I was attributed payment responsibility for an account with XXXX XXXX XXXX ( an installment loan account ) in which I was never registered as a co-signer nor directly involved. This erroneous information negatively impacts my credit score and creates an inaccurate representation of my financial history. Consumer Reporting Agencies have the obligation to ensure that all reported information is accurate and verifiable. In this case, I believe there has been an error in associating this account with my credit history, as there is no documentation to support any legal connection between me and this account. Additionally, my report indicates that payments on this account were late. However, I was never involved with or had control over this account, and therefore, I can not be held responsible for any late payments. If there is evidence to the contrary, I request that clear and verifiable documentation be provided to support such a claim.
Product: Debt collection

Gatestone attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX  was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX  at Gatestone and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers Gatestone has contacted me from : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX   ) XXXX-XXXX  and ( XXXX  ) XXXX-XXXX. www.gatestoneco.com
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/ we replaced a furnace in my home, and used Service Finance Company to finance the loan. I was originally told that is would be 18 months no interest no payments. XXXX documents were sent to me and I signed. Fast forward to XXXX XXXX XXXX I called the company that installed my furnace to tell them I have not received any statements or bills from the company. They told me that omce the job is done and they are paid that they dont have anything to do with the finance, and they gave me a number to call for the company that did. My wife called the same day, on XX/XX/XXXX, and told the company we never received a bill and was hoping they could send us something. Because her name was not on the loan, they would not discuss anything with her. We at this point assumed that there must not be a bill because payments were not due yet, and that obviously if something was due they would call back or send something. FAST FORWARD to XX/XX/XXXX. I am in the middle of refinancing my mortgage, and my mortgage broker alerts me to a delinquent account showing on my credit report. Apparently, after not receiving a bill and having NO CONTACT from the company, they put my loan into collections and charged it off. My currrent bills are approximately {$20000.00} a month. I would NEVER let a payment of {$140.00} completely wreck my credit. This makes XXXX sense. My wife and I have 100 percent on time payments for all of our bills. The company said that we had a 3 month no payment, not an 18 month. Regardless- we NEVER receieved a bill or any form of communication from them regarding this. This credit charge off is preventing me now from refinancing my mortgage and consolidating my debt. If I was going to intentionally go late on a bill I would have likely chosen one that would make a differnce, not a {$140.00} payment! No one at Service Finance Company is willing to help. I did speak to one employee who was trying to be helpful and said her manager would call me back and no one ever called. I am at witts end, I need this resolved and I dont know where else to turn.
Product: Credit reporting or other personal consumer reports

PLEASE SEE DOCUMENTS AND HAVE THE ACCOUNTS AND INQUIRIES DELETED IN XXXX HOURS.
Product: Credit reporting

I HAVE SUBMITTED SEVERAL DISPUTES TO EQUIFAX REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE EQUIFAX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EQUIFAX.
Product: Checking or savings account

Around XX/XX/2020 I had a friend transfer money to a Paypal account I have. It was around {$600.00} dollars. I have not been able to withdraw this money since. I just want a check with my funds to be mailed to me but when tryingbto request my money paypal website leads you around in a circle. They want to redirect you to give more personal info and use their new banking sevices but I have a credit union that treats me fairly and has never held my money hostage before, so I want to stay with them. This is predatory banking and wrong. 

I was not able to get them on the phone ever. Nothing has been resolved yet. 

Also, since paypal is a bank of sorts they should offer a statement. It would be nice to request a statement for the life of my account to see the fees they are charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, it failed to properly investigate the matter by using a third party as its verification provider and continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX/XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Balance {$280.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Checking or savings account

I received the PPP Forgiveness Loan on XX/XX/2021 through my Capital One personal checking account. Since then my account has been frozen due to me receiving a business loan in my personal account ( which is not illegal ). Since then I have submitted legal documents proving my loan is authentic. Today is XX/XX/2021 and I still do not have access to my funds and still no real update of when I will have them. Ive been told many many times that my account will be closed and my funds will be sent back to the lender but nothing still has not been done. Plus the bank is still collecting interest off my money and I cant even touch it. I was even told the secret service was investigating my case. Ive been patient long enough this is a cry out for help. Please help me and my family. 

Lender- Capital Plus Financial Lending AgencyXXXX XXXX XXXX Thank you, XXXX XXXX
Product: Debt collection

I consumer XXXX entered into a consumer credit transaction with XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but XXXX XXXXXXXX XXXX XXXXXXXX made me purchase insurance separately.Also, XXXX XXXX XXXX XXXX Violated 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. They are now civilly and criminally liable. all documents are included within this complaint. XXXX XXXX XXXX XXXXXXXX received the notarized original.
Product: Money transfer, virtual currency, or money service

On XX/XX/03 I changed my password to my digital wallet on coinbase.com. After entering in my new credentials I was prompted to complete a 2 step authentication to successfully access my account. The 2 step authentication is to receive an 7 digit code via SMS text message to my phone number I have on file with coinbase. After entering the code into the coinbase website/app I would be able to access my account. The issue is I am not receiving the text messages with the code and I don't know why. My phone number and all my other contact information has NOT been changed. In the past I have received these text messages and this is the first time I have encountered this issue. There is no other alternative option to receive this code so I have not been able to access my account for 8 days now. I have opened a case with coinbase on XX/XX/03 ( case # XXXX XXXX but I have not heard anything back. I tried contacting them multiple times but yet still no response. I need to get access to my account ASAP as I am losing potential earnings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a notarized letter was sent to Transunion for information regarding ( achieve ) account. No information was provided under 30days per 15usc 1681. This company is in violation and request to have this item deleted from my file.
Product: Credit card

Synchrony Bank forced me to make 2 payments in the month of XXXX.
Product: Debt collection

XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX - caller ID XXXX - does not display as Municipal Services Bureau , violates ; *use the telephone to harass debtors by calling anonymously or making repeated or continuous calls *using a false name or identification ; Sec. 392.302-causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number. 
805-a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXXXXXX date opened XXXX, Acct. XXXX. Inquiries : XXXX, XXXX 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. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I have a Prepaid Debit card with PayPal. I would load money on this card to pay my rent with. I tried loading {$370.00} on this card starting on XX/XX/XXXX. I would load money on my card at XXXX XXXX. It wouldn't load, cashier tried 3 times. I went out to my car to XXXX PayPal, call them to find out why. I called XXXX of the numbers XXXX listed. XXXX from PayPal Customer Service told me to download XXXX. He said the problem was I needed to verify my identity with their server. He had me open XXXX and he started to apply for these XXXX in XXXX loans. I started screaming stop. I then uninstalled XXXX. Over the next couple of weeks he would call me or text me saying that he needed to verify all the accounts linked to my PayPal account. He told me just this past weekend that he would refund my money only if I would purchase XXXX {$100.00} XXXX XXXX cards and he would verify my identity with the PayPal server with these cards, then refund all my money plus the {$300.00} for the XXXX XXXX card. I feel absolutely stupid. He took money out of my savings account at a different bank as well as purchased XXXX {$100.00} Gift cards to XXXX and charged it to my XXXX account. I've been praying that when they investigated they look at my accounts. I've had PayPal since 2016 and these types of transactions are not the norm for me. Ive never taken out XXXX in XXXX Loans. My PayPal charge account, I would have a little balance then pay it off. However the scammer got my XXXX PayPal credit accounts. I did not authorize any of these transactions. I've tried reporting thse to PayPal but they deny my claim. Please please help me. I work at a gas station. I don't have money to being paying loans I did not authorize
Product: Credit card

I have been a victim of identity theft. In XXXX 2015 I was reviewing my XXXX account and noted that a Hard Inquiry had been made from Capitol One ( a financial institution which issues credit cards ) and was listed on my credit report with XXXX and XXXX accounts andalso in my personal information a new residence address had been added. I never contacted Capitol One and requested credit and I have lived at the same address for over XXXX years and have not moved. I am requesting that the Hard Inquiry from Capitol One be removed as I never requested credit from them from all credit agencies specifically XXXX, XXXX and XXXX. I am also requesting that the fraudulent address which was added to my credit report personal information be removed. Capitol One Bank has contacted me and I informed them that I never contacted them and requested credit and I needed the Hard Inquiry they had reported to the credit agencies removed which was removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

I have some medical debts that I wanted to start paying on. On XX/XX/XXXX, I searched up the collection agency I owed my debt to and without reading the fine print, I clicked on a link that was an ad. Credit Glory paid to have their ad put on the top of search pages. I clicked on the ad and got directed to an agent for the company Credit Glory. The ad itself had wording to bait people into believing they are reaching out to their debt collection agency. When I connected to an agent, they were intentionally vague and even when I said that I was trying to reach an agent for the debt collection agency, they worded it in such a way that they didn't confirm or deny who they worked for. On XX/XX/XXXX, I called them back through this first number to get more information out of them so I could cancel my account and I was being very firm the second time around I asked the Credit Glory agent if he worked for Credit Glory and if he was working for the collection agency I was trying to reach. " I can dispute your debt on your behalf '' " No I don't work for Credit Glory ''. Two quotes I explicitly remember. But back on the XXXX, I signed up for their services. The biggest lie that i have been told from multiple people working for Credit Glory is that its in my best interest to let them dispute the debts on my behalf. This is outright wrong. A big selling point they use is a scare tactic. They say that even if I pay off the debt to the collection agency, it will remain on my credit report for the next 7 years. The first time that I heard this, it sounded scary. I want to build up my credit and even if I fix a wrong, I will still have a huge negative impact on my account? Oh, Credit Glory will dispute these debts? And if they manage to have them removed, they will also have the collection account removed from my credit report? I eventually called the debt collection agency that i owed my debt to and the agent said that if I pay off the debt, they will have it removed anyway. Even if they don't and i si.ply pay off the debt and have it on my report for the next 7 years, at least i will have it dealt with. Credit Glory is taking advantage of the nieve and dangling credit salvation in front of them while billing them almost {$1200.00} a year with a {$190.00} upfront setup cost. They billed me for a {$1.00} charge. I believe they phrased as a way to pull up my credit information. Now I am worried this will be a continual monthly charge of {$19.00}. I wanted to talk about this charge but I have already canceled my account with them on the XXXX and they won't give me any information about this other charge and I can't find out the information on my banking app. All around, I believe this business could be a legitimate business, but they are currently using dishonest methods to squeeze a {$99.00} and a {$19.00} per month fee out of vulnerable people.
Product: Credit reporting or other personal consumer reports

I looked back at my credit report back on XX/XX/year> and I noticed some things are incomplete and not accurate. And according to their fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX  XXXX # XXXX ], [ XXXX XXXX XXXX # XXXX ], [ XXXX XXXX # XXXX ], [ XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX # XXXX ], [ XXXX XXXX XXXX # XXXX ], [ XXXX XXXX XXXX # XXXX ], [ XXXX XXXX # XXXX ], [ XXXX XXXX # XXXX ], [ XXXX XXXX # XXXX ], [ XXXX XXXX # XXXX ], [ XXXX  XXXX # XXXX ], [ XXXX XXXX # XXXX ], [ XXXX XXXX XXXX # XXXX ] is not complete and is not accurate. [ XXXX  XXXX # XXXX ] - Each bureau is showing a different Date last active. [ XXXX XXXX XXXX # XXXX ] - Payment status date is showing the wrong date. XXXX XXXX # XXXX ] - Last reported dates should be the same per bureau, it's a clear violation that you're report shows different from the other bureaus. [ XXXX XXXX XXXX XXXX # XXXX ] - Each bureau is showing a different Date last active. [ XXXX  XXXX # XXXX ] - Each bureau is showing a different Date last active. XXXX XXXX is showing a different open date, amount due. [ XXXX XXXX XXXX # XXXX ] - Last reported dates should be the same per bureau, it's a clear violation that you're report shows different from the other bureaus. [ XXXX XXXX XXXX # XXXX ] - The following information is outdated. I would like it removed from my credit history report [ XXXX XXXX # XXXX ] - Why are comments different in each bureau? open date is also different. [ XXXX  XXXX # XXXX ] - Validate Account / unrecognized account please validate. [ XXXX  XXXX # XXXX ] - Validate Account / unrecognized account please validate. [ XXXX  XXXX # XXXX ] - Validate Account / unrecognized account please validate. [ XXXX XXXX # XXXX ] - Each bureau is showing a different Date last active. [ XXXX XXXX  # XXXX ] - The wrong amount is being reported I sent a letter asking them to re investigate these accounts listed above because the are not accurate. I got the investigation back but noticed nothing was modified or updated. 

So I requested a description of the reinvestigation and they did not provide it to me which is a violation if 15 USC 1681i7.

They also Violated 15 USC 1681i ( 5 ) Can you look into this matter please?
Product: Prepaid card

XXXX XXXX XXXX XXXX, florida gave me a payroll card through Money Network. After one day of use I tried checking my balance on the Money Network app, and received a login error. I tried resetting my password and username and each time was told the account didn't exist. After trying for two hours to get ahold of customer support, I was finally answered, when I explained my situation they told me my account never existed and the that the card number I gave them which is printed on my card, was not a real card number. I asked to speak with a higher up and was hung up on. Today I went back to XXXX to request a new card and was turned away and terminated. I believe there is some sort of scam going on here.