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

On XX/XX/2019 I accidentally purchased tickets for a show at XXXX via a third party website with no affiliation with the show venue or promoter called XXXX. 

These tickets were to be willcall at the XXXX box office for the day of the show, and I had paid {$340.00} for the tickets to this third party. This would not have been an issue for me if the tickets were willcall as expected. 

When I got to the box office at the show, there were no tickets waiting in willcall at the box office. Dismayed I asked the attendant to look again who happened to ask for our email receipt to pull up the tickets. We pulled up the email and showed the attendant the receipt who informed us that they did not have a relationship with that company and to dispute the transaction with the payment issuer. We then had to purchase 4 more tickets for {$110.00} with tax. 

Fortunately for me I thought, I bought the tickets through PayPal so I could dispute it then and there. So while I was at my evening of XXXX XXXX and XXXX XXXX, I logged into PayPal on my phone through a web browser and disputed the transaction. Paypal 's dispute module does not let you upload supporting documentation after the fact to find out, so the only thing they had to go by was the statement I put in the dispute where I happened to mention the price difference ( which in MA is an illegal markup ). 

PayPal took until XX/XX/XXXX to review and deny my claim in a matter of 6 minutes with no explanation. When I called PayPal to find out why the representative told me that I was uneligible for the fraud dispute because I mentioned the price disparity and seller claims the tickets were delivered. 

I offered to provide to PayPal my supporting documentation which included the purchase of replacement tickets, the sworn affadavit from the venue about the fraud, and the original email about willcall tickets. 

The representative at PayPal refused to let me email or provide the documentation, and only was able to reopen the ticket. As stated before, PayPal doesn't let customers add to tickets when documentation is available after the fact, but I figured this time they may reach out to me for it again. 

Today at XXXX outside of Paypal 's calling hours I received yet another denial notice about my claim with no additional request for documentation. 

At this point I think there is no further recourse between PayPal and myself short of small claims court. And I would really like to avoid having to miss work and be out more money to get my money back. Paypal 's fraud protection service did not work as advertised and is not fair to customers who use their service. 

PayPal transaction # XXXX PayPal claim ID # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Started XX/XX/year> Now their going to a new product I have paid XXXX XXXX in interest, and something is just not right. None has gone to principal very little
Product: Credit card or prepaid card

Bank of America is listing 2 accounts on my 3 credit bureaus which are nor mine. I am a victim of Identity theft and these accounts are not mine. A hacker got my personal information on the dark net from the XXXX   Hack and has formed several accounts in my name. Remove these accounts ASAP!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is incorrect and does not belong to me, I do not want it in my report. 


XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Direct Express is the company. As I stated before, I requested some of the unauthorized charges to be investigated and all they do is deny, deny, deny them and say that they were authorized according to what they looked at even though I know they wasn't. At one point in time I wasn't even didn't even have a car with me and the car was used in another country and they still said it was authorized. How could that be? How could it be if I'm in the hospital in the car is used to pay somebody else 's phone bill that is not even associated with me. If I'm XXXX  for 11 months, how could the cards still be used to buy groceries and go shopping? I never got that. Even with a police report they still did nothing. I got no money back. They still said it was authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/2020, I received copies of my credit reports with XXXX, XXXX, and TransUnion. I sent letters to all 3 bureaus asking them to look into an account listed on my credit report for XXXX. I have asked them to verify the information being reported, as it was inaccurate, and I have asked for validation of the debt from both the bureaus and XXXX. Due to the reporting issue, XXXX  has removed this account from my credit report. After five letters to TransUnion and XXXX with no response, this past month they finally listed the account in dispute, but, as noted in the attachment, it states that the dispute is closed and the account meets FCRA requirements however, the account is a charge-off account and they are still reporting a balance as if this is an open account. This clearly does not meet FCRA requirements. After countless attempts to have this corrected, TransUnion and XXXX refuse to look into my request.
Product: Credit reporting or other personal consumer reports

My wife and I hired a attorney back in 2017 to get rid of the timeshare XXXX. Every time we go to make a XXXX purchase or anything, this account keeps popping up! Our lawyer notified us that we no longer have anything to do with the timeshare cause we were lied to during the timeshare process. Yet on experian it is still showing late and negative on our credit report. We also have 3 other accounts on our credit report that are in good standing and closed with them, yet this 1 account is showing late and negative that is now affecting our credit and stopping us from moving on with another purchase we have been trying to do. NO XXXX accounts should be showing as negative or late or delinquent. This account shouldn't even be on our credit anymore showing we owe ANY money!!! We paid a attorney for a reason to get rid of these and these are affecting us every time a purchase is trying to be made. XXXX is reporting late and delinquent when it isn't on a account that's like XXXX dollars! This account needs to be removed from our credit.
Product: Debt collection

Payacel : is illegally reporting numerous medical accounts in collections. In reference to being in violation of my HIPPA rights section 1173 and also in violation of FCRA 1681 n. I am also seeking {$1000.00}. in damages for each account falsely reported on my credit report. Accounts should be deleted immediately, send a copy of the updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

Please update all disputed items below to paid on time and never been late.

Update/Correct payment history to paid on time immediately! 

XXXX XXXX  Account number : XXXX, Inaccurate. 
Past due needs to be updated, to be paid on time and never been late XXXX : Account number : XXXX, Past due needs to be updated, to be paid on time and never been late
Product: Consumer Loan

I was paying the amount regularly for several months. However, I got very sick and could not pay anymore. 

The remaining amount owed should constitute the interest/penalties and other charges.
Product: Checking or savings account

I opened an online banking account with Citi on XX/XX/19. 
After accessing my account once or twice online, I was asked to submit a confirmation code ( presumably by text ) - except that I had given my home/land line number when signing up. I called and asked to have my phone number switched to my cell, but was told I'd have to wait 30 days. Since that time I have been unable to contact Citi. I've tried using their app, email, and standard/snail mail as well as calling several different numbers dozens of times. I've also tried accessing my account online again, but since I've never submitted a confirmation code it appears as thought my online access has been 'locked '. 
I have a balance that I have no access to, and have been unable to get ANY help from Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I made my normal minimum payment of {$450.00} this payment was made before 30 days of being late. I happen to call 6 days later they told me my payment was 36 days late and I said I made the payment on XX/XX/2023... They proceeded to tell me this month your min payment was {$450.00} so a {$1.00} is 36 days late. No one gave me a courtesy call and they are accessible to my savings account which states in writing they are okay to deduct any payments needed to fulfill any credit card or loan payments.. Which happened the day that I made the call they easily deducted the {$1.00} that was missed. Not to mention I have never been 30 days past due.
Product: Money transfer, virtual currency, or money service

Around the end of XXXX I was notified by XXXX XXXX and XXXX XXXX that I opened a credit account with Paypal. I reached out to Paypal to let them know I didn't open any such account. Paypal took a couple of days to get back to me and said that they would cancel the account and nothing was charged on it. 

It wasn't until yesterday XX/XX/2020 that I saw from XXXX that I had a {$3000.00} balance with paypal with a new charge of {$34.00}. 

I have never opened up a paypal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 40 days so they should be updated to payed as agreed promptly. I demand these accounts be updated immediately, or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.
Product: Debt collection

Debt has been secured and paid by 1099 C filling attached I have filled the 1099 A and became owner of this debt. 

This account is revolving and sent to the United States treasury XXXX XXXX estate
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance : {$43000.00}
Product: Payday loan, title loan, or personal loan

I attempted to obtain a consolidation loan on line and the company keeps asking and accepting money from me via bit coin and gift cards. I am due back over XXXX My loan manager is XXXX XXXX and his number is XXXX XXXX XXXX
Product: Credit card

[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX [ XXXX, Texas XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX Texas, XXXX ] Subject : Dispute of Missing Information and Request for Debt Removal Dear [ XXXX ], I am writing to formally dispute inaccurate and incomplete information on my credit report and request the removal of an invalid debt. Upon reviewing my credit report, I discovered that the following account contains missing or incorrect information, which has resulted in an inaccurate reporting of my financial status. 
Disputed Account Details : Creditor Lender Names : XXXX XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX account account XXXX The reported debt is inaccurate due to [ inaccurate payment history, payments not reflected, account closed but still reporting a balance, fraudulent activity, or any other valid dispute reason ]. I have enclosed supporting documentation, such as account statements, payment records, and correspondence with the creditor, to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated and, if found to be incorrect or unverifiable, be removed from my credit report immediately. 
Additionally, I request a written confirmation once the correction has been made. 
Please consider this letter a formal request for resolution, and I expect a response within 30 days as required by law. I appreciate your prompt attention to this matter and look forward to hearing from you.
Product: Debt collection

I received initial communication from Rent Recovery Solutions in the form a letter dated XX/XX/XXXX ( no postmark present ). This letter did not include verification of the debt. On XX/XX/XXXX, I replied via certified mail with return receipt asking for verification of the debt and to consider the debt in dispute. 

After having sent the dispute, I received a letter dated XX/XX/XXXX ( no postmark present ). This letter threatens to report the debt to all three national credit bureaus. Reporting the debt to credit bureaus while the debt is in dispute would be a violation of FDCPA. Because this letter was sent less than 30 days after initial communication, Rent Recovery Solutions could not be sure the debt would not be disputed when sending this letter. 

Per the return receipt, my dispute letter was received by Rent Recovery Solutions on XX/XX/XXXX. I was called by Rent Recovery Solutions on XX/XX/XXXX. As of XX/XX/XXXX, I have not received verification of the debt. Because I have not received written verification of the debt in dispute, the phone call on XX/XX/XXXX was in violation of FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ). It is plenty stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Also, my information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

While other credit reporting agencies have diligently followed suit and promptly addressed and corrected the discrepancies on my credit report, your bureau has chosen to ignore my requests and provided no information regarding the progress of the investigation. I am writing to express my deep frustration and dismay at the apparent lack of progress in the investigation of my credit report disputes, as well as the failure of your bureau to comply with the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX -PLEASE DELETE!!! XXXX have already removed this account from their records. 
The FCRA provides a 30-day window for a timely investigation, and the lack of adherence to this timeline is inexcusable. I demand an immediate and comprehensive update on the status of the investigation and a resolution to the disputes I have raised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit line increase on my   XXXX   card ending  XXXX . Request was denied on   XXXX   XXXX  , 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on   XXXX   XXXX  , 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.
Product: Credit reporting or other personal consumer reports

Status of car loan account is listed as ( past due XXXX  days ) ..XXXX  different times. No payment has been paid late. Called car loan company who confirms payments were on time. XXXX XXXX stated to have the issue fixed I needed to download a XXXX XXXX  app and make a dispute. I have done this on several apps and have not seen any change on my credit report.
Product: Debt collection

On XXXX XXXX 2017 @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX 2017 @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL XXXX w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for XXXX ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, XXXX XXXX XXXX XXXX XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I paid a credit repair specialist known to me as XXXX XXXX ( who is the owner of XXXX XXXX XXXX XXXX to repair my credit. My credit repair started on or about XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX submitted documentation to Transunion erroneously with the intent to commit fraud in my name. The documents submitted made false claims to the credit bureau that I had been human trafficked and that is why a list of credit items needed to be removed/deleted from my credit profile. XXXX XXXX went on to submit a document from XXXX XXXX XXXX ( a company that handles human trafficking issue with credit ) ( that she obtained illegally ) who does not know her and has never had a business relationship with her. Transunion has refused to give me copies of the documents that XXXX XXXX submitted on my behalf and has continued to give me the run around since my initial complaint of the bureau refusing to allow me access to view my report online back in XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX is the first day that I have had access to my report. My intent is to sue XXXX XXXX for illegally submitting this documentation with the intent to commit fraud and also for the use of my digital signature without my permission on documents that I never gave permission for her to submit on my behalf. Transunion refuses to give info on an investigation that they stated was opened on XX/XX/XXXX ... .as of today rep from Transunion that I spoke with see no notes or annotations and would not confirm or deny that any investigation was or is being started.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dates Of CO ( Charge off ) are not matching card numbers and the CO is for XX/XX/XXXX and not XX/XX/XXXX ( Printscreen sent of XXXX ) and also account closer of 1099-c provided screenshot. Please rectify the charge off to XX/XX/XXXX and not XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion are sharing my credit information without my signature persuant to 15 .u.s.c 1681a # 2n and 15 u.s.c 1692gb and engelhardt v.gravens