23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On Saturday, XX/XX/XXXX I contacted XXXX and opened a claim about ( XXXX ) gift cards my dad purchased for me XXXX XXXX, XXXX at XXXX. He gifted them to me for XXXX, however I was never able to use them. I attempted to use the cards to make an online purchase. Both attempts with both cards failed. I then logged onto the vanila gift site to check their balances and both cards had the funds drained immediately after purchase. Card # XXXX was drained of {$390.00} within XXXX minutes of purchase. Card # XXXX was drained of {$390.00} within XXXX hours of purchase. 
Since XX/XX/XXXX, XXXX has refused to honor their claim that they would refund me. I initially called them and explained what happened. They claimed they would refund me after filling out their refund packet. In the span of ( XXXX ) months, the company has only given me a runaround, claiming they never received the packet, which is impossible because I've sent it now well over XXXX times. 
I have begun to take notes after my phone calls with them. I have notes from the calls on dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These are my notes from dates I have sent them emails with the packet attached. 
Dates : XX/XX/XXXX sent form, asked for update XX/XX/XXXX, sent forms again XX/XX/XXXX, asked for update and resolution XX/XX/XXXX, sent forms again XX/XX/XXXX, sent forms again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit card or prepaid card

I had contacted Capital One for having a major medical injurt that delayed and changed the flight I needed. I sent over all supporting messages and the denied the claim. 

I sent them the original ticket, the new ticket, the doctors notes from the hospital I had to stay in for 2 days. 

They don't seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative accounts on my credit report. I 'm a  XXXX   XXXX  veteran, which suffer from getting help with certain services due to inaccurate reporting-which is hurting my credit scoring. After several requests to provide documents to validate the debt below, Ive been denied copies. I feel my rights under the FCRA have been violated  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$19000.00} Last reported  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  Balance : {$5400.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$4400.00} Last reported  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$55000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$23000.00} Last reported  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$17000.00} Last reported  XXXX   XXXX ,    2017    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  Balance : {$2200.00} Last reported date  XXXX   XXXX ,    2017    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Balance : {$840.00} Last reported date  XXXX   XXXX  , 2017
Product: Credit reporting or other personal consumer reports

Company- XXXX account number XXXX 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! 

XXXX XXXX Account Number XXXX 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! 

XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditoXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICITM OF IDENTITY THEFT AND THERE WAS AN ACCOUNT ON MY CREDIT FILE THAT WAS REMOVED XXXX XXXX IN XX/XX/XXXX. THENIT WAS REINSERTED BACK ON MY ACCOUNT WITHOUT A 5 AY NOTICE IN XX/XX/XXXX. THIS IS NOT MY ACCOUNT AND THEY HAVE NOT REMOVED IT OR VERIFIED THAT IT IS MINE. PLEASE HELPME GET IT REMOVED AGAIN XXXX
Product: Debt collection

Please remove the unknown collection thats hurting my credit as I have no knowledge of this derogatory accounts.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting

Transunion was called and told that my payment with my loan were on time and never late once. Now they have changed it to all late and every payment late. I spoke with my bank and they said it 's transunion because they called and told them all payments were on time. And not XXXX payment was late. I think something is wrong with transunion because they made my moms credit drop and changed all her payments to late as well. Then when I called to complain I was told I would have to pay them XXXX to have my correct credit score. One agent told me that they saw it was reported wrong another agent said they could n't see I told and then another agent said that when I pay the XXXX it 's a different report and score than what 's online.
Product: Vehicle loan or lease

I purchased a vehicle through XXXX back in XXXX of XXXX. I never received a title or registration. I have totaled the vehicle in XXXX of XXXX. XXXX calls it a total loss and the pay off amount is more than I owe on the car. XXXX can't pay off the loan until there is a title. Despite constant contact, there is still no title. For every 10 days that goes by, the amount of money coming back to me reduces by over {$100.00} in interest. And to top it all off, the finance company, Bridgecrest, which is owned by XXXX, is now reporting me to the credit bureau as being 30 days late, and soon to be 60 days. This despite my insurance trying to pay off the vehicle, but can't, due to every fault of theres. XXXX is no longer responding to my emails. I am getting NO COMMUNICATION at all. I need help with this. They are going to destroy my credit all the while reducing the amount of money that will be paid back to me. In 3 months, it will have been a full year that I have not gotten my title or registration. How is this even legal?
Product: Checking or savings account

I had XXXX accounts opened on Wells Fargo and it was a checking and savings account. 
I did not open them. 
I called Wells Fargo and I asked them to close the XXXX accounts but they did not they said we can not close the accounts at this time because of some error on their end they were getting. 
I don't feel comfortable know that XXXX accounts were open without my consent or knowledge and it's frustrating.
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. 

XXXX  # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX The above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 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 collection

IQ data Internacional is insisting in reporting a debt is not mine when when showed proof of payment history and receipts.
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 confidential under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 instruction 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 the of convictions of crimes which antedates the report 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 agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My XXXX credit score is being decreased when I have collections removed or paid in full. This issue is causing me financial hardship and hindering my chances of owning a home. This collection was withdrawn out of my checking account and paid in full, the creditor is still reporting that I owe it. 
XXXX XXXX XXXX  # XXXX ( PAID IN FULL ) XXXX XX/XX/21 Original creditor : XXXX XXXX XXXX 
{$340.00} Date Description Amount Balance XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Credit Card Payments Credit Card Payments - {$340.00}
Product: Debt collection

Received notification from US Collections West on a debt that was due in the amount of XXXX on XX/XX/XXXX for the XXXX XXXX. I asked for verification of the debt. US Collections West responded with documentation, showing that I was in court and had lost the decision. I was never summoned to appear in court, and was never notified of such hearing. I do not believe I owe the debt due to properly terminating my lease with the XXXX XXXX, and moving out at the end of my lease. On XX/XX/XXXX I received another notification from US Collections West saying my debt needed to be paid or I would face another court hearing. I followed up with another letter and no response. I spoke with XXXX XXXX on the phone, who was identified as my debt account manager. XXXX was very condescending and derogatory towards me, and was being very forceful in her tone. On XX/XX/XXXX, I received a letter from Attorney XXXX XXXX saying they would start garnishing my wages. I responded to Mr. XXXX by mail asking him to verify my debt, which I did not receive any response. On XX/XX/XXXX, I received a letter from my accounting department at work stating that my wages would be garnished starting with my next paycheck. I reached out to XXXX XXXX, and she refused to answer my calls. After finally speaking with her, she stated she would only cancel my garnishment if I paid in full, plus court costs in cash. If not, my garnishment would still be active and would be levied. I have never dealt with such an unprofessional person and company in my life. US Collections West is full of scam artists who are just trying to take every cent away from innocent people.
Product: Credit card

I had closed/cancelled my XXXX 's XXXX prior to Capital One taking over these accounts. I have moved from MD ( where there are a ton of XXXX ' ) to XXXX ( where there are XXXX XXXX 's - Hence the reason for cancelling membership ). Capital One issued this XXXX 's card without contacting me or giving me the chance to decline or opt for a different rewards card. It just showed up. I have since used the card and accrued some rewards {$47.00} to date. As stated I DO NOT have XXXX 's membership and am unable to redeem the rewards thru XXXX 's. I have contacted XXXX 's and was basically told- sucks for me - no membership - no way to redeem. I have contacted Capital One - explained I cancelled the XXXX 's membership prior to this card being issued without my knowledge. 
Again, I was basically told sucks for me- Capital One can't see or do anything about the rewards. Capital One XXXX XXXX 's should have done some due diligence and either contacted the customers for their preference or just let the accounts close and the customer can apply for card of their choice. None of this happened - this card was just issued and sent. Now neither company will issue rewards or honor the program. I don't want to continue accruing rewards that are unusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$0.00} on the MILE HIGH AMBULANCE partial account number XXXX. ( Please see page 14 of the attached credit report. ) This account should never have gone to collections. XXXX XXXX XXXX was sending the bills to an address that was over ( 4 ) years old so I was not aware that this account was ever in collections. I contacted XXXX XXXX XXXX and paid this. The insurance company was never billed for this service. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit card or prepaid card

I am a XXXX XXXX  who collected several payments for my clients group cruise through Paypal. The cruise was cancelled due to COVID-19 and XXXX a I am a XXXX XXXX who collected several payments for my clients group cruise through Paypal. The cruise was cancelled due to COVID-19 and XXXX agreed to refund all payment that were submitted to them. Prior to receiving the refunds back from XXXX, Paypal elected to limit my account and state that I could not conduct any further business through them without any explanation. However the debit card business Mastercard that I used to submit payments to XXXX was linked to this account. XXXX has dispursed the refund back to the Mastercard due to their refund policy which states they will only refund back to the original method of payment. BUT due to the fact Paypal limited my account the refunds have not appeared back to my Paypal account. XXXX has stated and provided dates that they sent refunds back to that card which are as follows : XX/XX/XXXX20- {$150.00}XX/XX/XXXX/20- {$100.00}XX/XX/XXXX/20 - {$150.00} XX/XX/XXXX/20- {$150.00} XX/XX/XXXX/20- {$150.00} XX/XX/XXXX/20- {$100.00} XX/XX/XXXX/20- {$140.00} XX/XX/XXXX/20 {$400.00} I have contacted Paypal and they keep giving me the run around and I even have reached out to the issuing bank The XXXX who is the Paypal Mastercard card issuer and tried to even get this resolved with them and have a open ticket with them which is # XXXX since XXXX. It is now XXXX and no one has called me back. XXXX has advised my clients that I have been refunded and they are irate because I havent refunded them and I cant refund what i dont have. I need someone to see where are these funds because XXXX has stated and provided dates that they sent refunds back to this Mastercard in which funds have never been applied.
Product: Student loan

Sallie Mae/Navient consistently urged me to defer my loans for years, from XX/XX/XXXX-XX/XX/XXXX. They would call me at work and I would be rushed through the process of deferment and/or forebearance without any real description of what this meant. I've been locked into a criminal interest rate of 7.25 % for years. I've been repaying my loan on an IBR plan for at least 6 years now, paying back over {$12000.00}, yet my total debt keeps increasing - it's jumped from {$32000.00} to {$52000.00} and continues to rise, despite my monthly payments. It causes incredible amounts of stress in my life and is depressing. Feeling hopeless.
Product: Credit card

I was a victim of XXXX XXXX and left my marriage via police escort. Prior to me being escorted out of the house with police officers, my ex-husband stole my wallet as a way to retaliate against me leaving him. I immediately called the credit card ( Discover and XXXX ) companies on XX/XX/year> to make them aware of the situation and to freeze my accounts. My ex-husband then proceeded to hack into my accounts and unfreeze my credit cards and spend XXXX of dollars using my credit cards which I did not authorize. I filed multiple police reports regarding the fraudulent charges, yet am still being harassed by debt collectors despite in the divorce it was ruled that I would not be held responsible for the debts that my ex-husband charged on my accounts.
Product: Checking or savings account

My checking account was compromised as XXXX bogus checks were deducted from my account. Reported all data to M+T Bank. Was told they had to open a new account. XXXX months have passed. Many checks are being blocked. I can not pay my bills. Bank has approaved reimbursment however they claim to have problem because my bank account has set up in my trust XXXX not tell me how long it will take to set up a new account. Need help!!
Product: Credit reporting or other personal consumer reports

Automotive Credit Corporation is despicable & reporting lies on my credit report multiple times. I have all the proof of my on-time payments. They are making up dates & payments. They reported me 30 days late on my credit. Then when I proved it was on time they took it off. Now, they are doing it again when again there is no 30 day late payment. These creditors are abusive bullies & need to be stopped. I will be filing complaints with the Attorney General & the FCC
Product: Credit reporting or other personal consumer reports

Incorrect names : XXXX XXXX, XXXX XXXX XXXX XXXX phone numbers cont : XXXX, XXXX Fraudulent Inquiries cont : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX 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 Experian XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX, Resident Verify XX/XX/XXXX
Product: Credit card or prepaid card

I have a Best Buy Citibank credit card that had been charged monthly for a " debt protection service '' that I was unaware of. They had been charging my card monthly for years. The company refuses to provide proof that I willingly signed up for this predatory " service '' which has charged me thousands of dollars over the years. I have contacted them multiple times and no one can ever give me accurate information. They tell me a date that I signed up, and that's it. I did not even know this service existed, what purpose it served, or that I had been enrolled in it. The company can not provide proof that I signed up for the service willingly. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The following accounts and inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of a consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. Accounts : XXXX XXXX, XXXX XXXX XXXX, {$600.00} XXXX XXXX  XXXX, XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$590.00} XXXX XXXX  XXXX ; Inquiries : XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Over the course of the past 2 years, I have been diligently recovering from identity theft by removing fraudulent information from my credit reports. 
XXXX respected my rights under the FCRA and removed the fraudulent accounts, inquiries, and information but XXXX and Transunion refused to and continue to further violate me and my rights. 

I am a victim of identity theft and have supplied my FTC and APPROVED police reports countless times. 
The only correspondence I have received was that " my signature was on documents so therefore its validated '' but this is frivolous because my information was fraudulently used. 

I am now left with no choice but to file this complaint and consider seeking litigation from both of these bureaus. 

I have attached my police report and dispute letters that I have sent.