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

I used PayPal to pay {$640.00} for concert tickets at XXXX ( 3rd party seller ) and used the pay in 4 payments option which gets deducted from my checking account via Paypal. When I selected my tickets I made sure that I selected ( as shown in attachments ) General Admission PLUS. When I received my tickets I received General Admission ( basic ). I called XXXX and they stated it would take up to 48 hours to resolve but the concert was in 3 days so I said I could not wait that long. The 3rd party seller also tried to give me a 30 % discount which I did not accept because of the lower quality of the tickets. I called Paypal to open a claim so they would not pay the seller. After opening the claim the 3rd party seller stated that they would refund me the money if PayPal would close the claim. When I asked PayPal they said not to close the claim or else I would not be able to get my refund. I did exactly what Paypal advised me and did not close the claim. I sent all the attachments included in this claim to Paypal and they denied my claim 2 times. I spent more than 10 hours on the phone trying to fix this issue but at the end Paypal did not find the claim in my favor eventhough I took their advise not to close the claim. If I would have closed the claim the seller would have refunded me the money. I included all the proof via attachments. In essence I received the wrong product and even though I sent Paypal all the proof they ended up deducting all the payments from my checking account. I included the seller 's email which states they would have refunded me the money if I would not have listened to Paypal not to close the claim so I'm pursuing a refund of {$640.00} for not receiving the tickets I purchased and Paypal should have found the claim in my favor with all the evidence I sent them. I feel Paypal made the decision with out looking at all the proof in more detail which was arbitrarily.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX  XXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, XXXX and Transunion ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Product: Checking or savings account

XXXX XXXX, 2017 opened checking acct by depositing my pension check, tried to get cash for bill paying, including making my mortgage payment in a timely manner by check ( as per usual ). the new vice president/manager XXXX XXXX refused to allow me to follow this regular type of procedure i have used month after month with any other bank. the bank i am complaining about is mufg union bank at XXXX XXXX XXXX XXXX calif. XXXX XXXX refused to allow me to make my own mortgage pmt, insisted she wanted to make the payment herself and that she wanted me to provide her with a copy of my mortgage bill. I stated that although i could provide that, it still is my role to pay my own mortgage. I have not provided her with a copy. I learned later in the week from one of the tellers that XXXX XXXX did not deposit my pension check in the usual manner, but instead sent my pension check back to my pension department : " XXXX  XXXX XXXX XXXX XXXX. 'XXXX XXXX complained to XXXX that an appropriate approving signature was not present on my pension check, wherein the party taking the call ( i could not ascertain who that party was ) informed XXXX that if she would look on the other side of the check, she would find that very easily. this held up my receiving any monies from my acct for about one week, and i was therefore 'broke. '' XXXX XXXX did not discuss or allude to any teller providing me with any cash until over one week following the opening of my account. she did not discuss if there would be any fees if i left this bank prior to 30 days ; however, i am very concerned that she would charge me a substantial fee to exit. i overheard a bank employee state that she charged me {$5.00} dollars to deposit my pension check. XXXX XXXX has never responded at any time to any of my clarifying telephone calls to her.
Product: Checking or savings account

I am writing regarding a problem I have with Truist Bank, formerly BB & T. I have been a victim of identity theft. My checking account, which I had with BB & T ( now Truist ) for several years was compromised. My funds were restored, the account was closed and a new checking account was issued. The second account was breached within 30 days. Once again my funds were restored, the account was closed and a third account was issued. Both the second and third accounts were issued with " starter '' checks. Even though I was issued starter checks with each new account, I purchased my permenant checks through XXXX, as it is less expensive than purchasing them through the bank, and I never used the " starter '' checks. When I wrote my checks to pay bills through the third account, I began to realize that they were not showing up as having been cashed. When I asked the bank about the checks, I was advised that the last account I was issued was not for writing checks, but rather could only be used for my ATM card. I have never heard of a checking account that I could not write checks on. I am now being charged late fees by various vendors, because the checks were not honored. When I complained to Truist about this problem they refused to reimburse me for my late fees because the checks were not issued by Truist. I feel that I should be reimbursed since I was not advised that I was being given an account that was only to be used for payments I made with my debit card. Since I was given " starter '' checks, I had no reason to think I could not write a check to pay my bills. Whether the checks were issued by Truist or XXXX has nothing to do with the fact that they gave me an account that I could not use. I had a regular checking account to begin with and the second account was a regular checking account. I should have been assigned a regular checking account when third account was issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

IsubmittedmydisputeletterstoXXXXandExperianregardingincorrectpersonalidentifiers,negativeaccountsthatwerenotmineandinquiriesthatIdidnotauthorize.Asoftodaythosenegativeaccountsarestillonmycreditcausinganegativeimpactonmycreditscoreandmyfinancialabilitytoobtaincredit.Ihaveaskedforvalidationofsaidaccountsandhavenotreceivethepropervalidationthathasbeenaskedandrequireswhendisputinganegativemarkononescredit.IhaveasfortheCreditReportingAgenciestoprovideprooffromthefurnisherofsaiddebtsorDELETEfrommyaccountbutIhavenotreceivewhatIhaverequested.ItemsthattheystatebywayofcorrespondencearestillonmycreditandIaskedthattheybeBLOCKEDinaccordancetoSection605BoftheFairCreditReportingAct.IhaveaskeddirectlyforXXXXandXXXXcomplianceundertheFairCreditReportingActtovalidateaccountsorremovethemfrommyreportandtheyhavefailedtodoso.MynextstepwillbetoseeklegalactionbecausetheyhavecontinuetoviolatemyconsumerrightsundertheFCRAandIhavesentseveralrequestaskingforvalidationordeletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to have physical ( verbal over the phone ) contact with Sagestream LLC, they have reported some false data ( very slanderous ) and thus I have been trying to confirm an see what is on my " version of their credit report '' and have been trying to get things resolved and corrected ( history shows they are notorious for this type of behavior per BBB reports from other consumers that have led to SageStream LLC having an F rating ) I have submitted electronically all documents requested. 
I have also requested a freeze as well I have NOT gotten any confirmation from them with regards to my info as they requested from their website, nor any form of communication from them.. They DO NOT pick up the phone at all.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had a fraudulent account on my report. Please remove that collection account, that I have with XXXX, since they are hurting my ability to obtain credit. They are NOT my original creditor, which was stated in the reports I've collected and send proof on the documents below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX contacted via phone and email advising all three major credit reporting bureaus account that does n't belong to me was being reported ; they advised would investigate the account came back verified then submitted ID Theft affaviadit on to local police and online XX/XX/2017 ; the account was removed after all requested documentation was submitted then on XX/X/2017 the account without notice was re-entered on XXXX and Experian file contact and was made aware of a glitch and that it would be deleted which has not happen. AT this point I would like account removed and blocked so that re-entry can not happen again
Product: Checking or savings account

Got contacted by email and text by Chase bank saying that my email and phone number was taking off the account on XXXX XXXX. When I called and was on hold for almost 2 hours, they said that they had closed the account and would not give me a reason why. The next day I went to the bank and they said there a is restriction on the account and that they can not give my {$6000.00} dollars that is in that account. They said i would have to call and wait on hold to til talk to someone that can lift the restriction, I thought that was what the bank manger was able to do. I called the number and was on hold for another hour and they said that they could not help. I asked to speak to a manger and they said that they could not give me my money until they completely close the account, then they will let me know when I can get my money. I want my money now.
Product: Debt collection

XXXX XXXX XXXX added a collection to my credit file, for a debt I do not know belongs to me. They have failed to send me a 30 day right to dispute letter. I did not know this debt/collection existed until I checked my credit report. They are in violation of the 30 day right to dispute.
Product: Credit card or prepaid card

American Express Blue Cash Preferred XXXX XXXX, 2017 : The company representatives informed me by phone that the Blue Cash Rewards would be credited to my account within 2-3 days. Then the company stated that this " credit '' was not actually available until the next billing cycle. Ergo- there was no credit on the account in 2 - 3 days.
The teleconference was with XXXX XXXX and then with XXXX ( no identifiable number provided ) At best this is misleading, at worst  ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized credit inquiry from THD/CBNA on XX/XX/20. I have filed 2 disputes with Equifax and they will not remove. I just spoke with someone today and they said I have to contact the creditor or file a consumer report. I contacted Citibank and they were not helpful. I spoke with XXXX XXXX ID XXXX today and she kept saying I have to contact the credit bureau. They are just giving me the run around. This isn't the first time that someone has access by credit and/or bank accounts. I keep getting alerts that my information is being sold on the black market. This is so unfair that no one will help me remove it. Luckily, no credit lines were open but I want it removed and my credit report to report accurately. 

XXXX Dispute ID XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to remove any incorrect accounts from my credit report. Can you verify the documents? There are inaccuracies in the reported amounts and dates of some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a few fraudulent accounts, the accounts are XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX  XXXX XXXX  opened on XX/XX/XXXX, and fraudulent addresses XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX | XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX | XXXX XXXX XXXX, XXXX, WA XXXX.
Product: Student loan

Private loan interest rate raised to 15 % on one and 13 % on the other I have good credit and consistent with payments. I tried to refinance the loan because I can not afford {$400.00} a month they denied me because the school I went to was full prophet. Then I was denied again because I did not graduate. Then I tried again another place they said even with a good credit score you'd be paying {$900.00}. I have no other options and feel completely helpless at this point that I'm paying on a high interest loan with mo degree and it's stopping me from being able to afford anything at this point.
Product: Credit card

Synchrony Financial recently announced a paper statement fee of XXXX XXXX. I have always been signed up for e-statements, but they keep claiming they are unable to email me. They then revert me to paper billing and charge me the fee. Given my email address is hosted by XXXX and no one else has any issues emailing me, I find that hard to believe. As a result, I keep getting billed a fee due to their inability to fix their own email issue.
Product: Credit card

JPMC and XXXX continue to report on my credit report after 7 years. 

I looked at some FCRA laws and it states Section 623 ( a ) of the FCRA generallyprohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. 

JPMC and XXXX continue to report on my credit report after 7 years. 


This is a violation of my rights
Product: Debt collection

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Medical Data Systems. This company has opened accounts using my personal information with no authorization from me. These companies have reported that the accounts of the alleged debt are open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company. This company has reported incorrect illegal accounts to The Credit Bureau without consent from me. Medical Data System sent my personal medical information to me without a personal contract between them and I to hold my personal information within their company. This tactic is listed in the U.S. and State Law as identity theft and a HIPPA violation. These companies used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. I sent validation letters to this company requesting a signed agreement between us allowing them to open accounts in my name and they could not. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression.
Product: Credit reporting, credit repair services, or other personal consumer reports

A background check revealed criminal behavior, expired drivers license ( misdemeanor ), that is over 7 years old. Yes, I was guilty as I had my hands FULL due to a death in the family, but it should be removed from the record due to its date of occurance. According to the FCRA, information like this should be REMOVED after 7 years, but it's not!
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX. XXXX   XXXX XXXX XXXX, NY XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are reporting invalid, inconsistent information between credit agencies. 
Per viewing my credit report, I notice an account from your company with account # XXXX, XXXX, Experian and XXXX are reporting this account as derogatory with different reporting information. For instance, XXXX   reporting high credit as XXXX and credit limit as XXXX. Experian reporting account balance as XXXX and credit limit as XXXX and XXXX is reporting high credit as XXXX and credit limit as XXXX, delete per violation because you can not report inaccurate information between credit agencies. 

In addition, per my pervious request, I submitted proof showing XXXX  was reporting this account as current for the past 2-year payment history and how you changed it to C/O, because you know the information was inaccurate, now I have valid proof you agreed with my first request, delete this account per violation. 

Please be advised, I have enclosed a copy of the 1st reporting and the 2nd reporting as proof that the changes were made because I proved my first dispute was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK CARD XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES, XXXX I XXXX XXXX XXXX, have 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 : ,This section provides that the consumer reporting agency can not furnish an 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. 

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

MoneyLion closed my account with XXXX dollars and refuse to refund my deposit and keep giving me the run around
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to on time as should be as I was NEVER late. Thanks. 

Update the account to paid on time and never late. Or remove it from my consumer report
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX charged my bank account XXXX without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Transunion several times regarding the student loans on my credit report. I filed bankruptcy in 2017 and all my student loans was granted discharge but transunion still show them on my report.