23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I paid a debt in full, the amount of {$280.00} that I owed XXXX XXXX XXXX college over the phone. They told me my balance was paid in full and I was all set. I was not informed this bill had been sent to collections, I paid the college directly. XX/XX/2019 a collections was reported on my credit report with ConServe debt collections l with a balance of XXXX reported from XXXX XXXX XXXX on XX/XX/2019. I disputed this, as I had paid the balance with the college in XXXX. The college informed me in XXXX when I inquired about the collections. that they had sent it to ConServe, but would report that I had indeed paid the debt in full. ConsServe debt collections is now reporting that I owe XXXX dollars in collection fees. I have attached my payment and receipt history with XXXXXXXX XXXX XXXXXXXX college.
Product: Credit reporting or other personal consumer reports

I have been writen to, XXXX, EQUIFAX XXXX XXXX to remove most of my personal information from the repor. 

What is correct to appear : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( My Personal Residence ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( My Own Company- XXXX # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint against Ally Financial for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus. Specifically, Ally Financial has been reporting inaccurate payment history and amount owed on my account, which has had a significant negative impact on my credit score and financial standing. 

Despite numerous attempts to rectify these issues with Ally Financial directly, I have not been able to obtain a satisfactory resolution. Furthermore, these inaccuracies have resulted in Ally Financial reporting misleading information to credit bureaus, in violation of my rights under the FCRA. 

As a result of Ally Financial 's inaccurate reporting, my credit score has suffered a significant drop of XXXX points on three separate occasions in the past 90 days. This has caused me undue stress and financial hardship, as it has made it difficult for me to obtain credit and other financial services. 

Under the FCRA, Ally Financial is required to provide accurate information to credit reporting agencies, including payment history and amount owed. Furthermore, if Ally Financial becomes aware that any information it has provided to a credit reporting agency is not accurate, it is required to promptly notify the agency and provide corrected information. 

Therefore, I am requesting that Ally Financial be held accountable for its violations of the FCRA and that any inaccurate information be removed from my credit report. Additionally, I am requesting that Ally Financial be required to pay {$100000.00} damages for harm that has been caused to my credit score and financial standing. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was notified by Coinbase via email of a transaction sending approximately XXXX XXXX ( {$1700.00} at the time ) to a XXXX wallet. I had two-factor SMS verification enabled on my account, and I had not received any text messages, so I thought I had nothing to worry about. My account was drained of my holdings. I informed Coinbase via email, but got only automated messages in response. I tried to call, but was informed that I had to be a Coinbase Pro member to get live service. I disabled my account at this point to avoid further issues. I reported the theft to my local police department, who investigated it to their best ability. I contacted my cell phone service provider to inquire as to whether my SIM had been hacked, and they answered that it had not. Only recently has news surfaced that Coinbase suffered a security breach that allowed for an actor or actors to subvert SMS account verification and steal funds from members. Supposedly, the latest known date of this breach was XX/XX/XXXX, after which Coinbase was able to correct the problem. Again, the date of the theft from my account was XX/XX/XXXX. Coinbase may be unaware of the fact that the theft extended beyond XX/XX/XXXX, but I have no way to contact the company directly to inform them of my problem.
Product: Credit card or prepaid card

Since I am an XXXX year old man, it became apparent I needed to start getting my affairs in order. I have had a Discover card since 2008. I have carried a fairly high balance. recently I discovered they have been charging me {$79.00}. a month for something called Payment Protection. I called to discuss it with them. It has been on my account for years. I don't keep statements so I can't determine how much I have paid but it must be thousands. The lady on the phone quickly offered to refund me about {$500.00}. which was for the last 6 months. I ask to have it all refunded be got nowhere. The 6 month refund totaled some {$480.00} on the fees plus {$30.00}. of interest. Wow, they charge interest on the fees. Anyway, in researching on line I determined Discover has been fined and required to refund some XXXX XXXX  to customers. Wow, guess I missed out. I have sent the payoff of my credit card to Discover. I would very much like to get those fees back.
Product: Credit card or prepaid card

( THIS IS THE SECOND TIME IM WRITING THIS, BECAUSE YOUR WEBSITE ERASED MY TEXT WHEN I TRIED TO SUBMIT IT THE FIRST TIME ) False and misleading messaging in an email from Discover Card. 

Discover card sent me an email stating they had " Received my payment! '' I owe Discover card {$63.00} this month. 

I have not had more than {$30.00} in my checking account this month. 
Therefore it is mathematically impossible that they have " received my payment ''. 

I contacted my bank, XXXX, and inquired if payment had been made. They informed me there were no processed or pending transactions for {$63.00} to Discover. I contacted Discover, spoke with no less than 3 support agents, and was informed that they had received a check with my name and checking account debit information on it. XXXX informed me that they had not issued such a check. I suspect this was a pre-produced check authorized as part of a paydown plan, which I vaguely recall having agreed to. 

Regardless, a check / authorized debit attempt is not a " payment ''. It is a payment attempt. Payment is not made until it has been processed by my bank and debited from my account. Discover cards email messaging should reflect this accurately, and not offer misleading information that leads me to believe I have made payment and don't need to worry at the moment about ensuring I have sufficient funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an extended fraud alert on my experian credit report that I have tried to remove to no avail. ( The other XXXX agencies had no problem removing over the phone ). Experian does not take phone calls which seems outrageous. I mailed a request over XXXX  days ago as they require, and I have received no response nor do I know where I am in the process. Additionally, their system to upload the required documents ( which seems like it MAY be faster ) has been temporarily unavailable for over XXXX weeks with no alternative available but the postal service. This is impeding me from getting needed credit to make home repairs.
Product: Credit card or prepaid card

a seller " XXXX XXXX XXXX XXXX XXXX '' sold me a defective product XXXX XXXX that has a fan with a noisy bearing and possible fire risk. Capital One Visa was the merchant service provider. Capital one refuses to charge back merchant for defective product. Merchant in writing provided 1 year warranty and merchant says " the MFR will handle the warranty '' MFR states " The mechant knows they must handle the warranty and then we deal with them after they care for you. '' Capital One Visa account is only remaining avenue to force merchant to handle their fraudulently advertised warranty ( FTC violation ) and Capital One Visa allowed merchant to commit this fraud using their system. I believe Capital One is responsible for allowing the fraud to take place on their platform. Additionally Capital One offers me an " extended warranty card benefits of 1 year '' and refuses. 
" XXXX # XXXX '' states the chargeback was made too late and he can not charge back, I know this is not true as I am also a merchant account system user. Capital One " XXXX '' also refused to entertain coverage under the terms of their extended warranty benefit advertised to me to have me sign up to their account. 

Resolution requested : Charge back merchant or negotiate a refund to cover the cost of the repair of the defective 1 year warranty advertised product sold to me. The estimate cost to repair is {$120.00}, or charge back the product price. Copies of all the advertising, receipts, and other information was sent to Capital One. 

XXXX XXXX claims he has no useful supervisor and there is no person higher at Capital One or a person in the Capital One legal department who can review my claim, otherwise I would not have bothered the CFPB. Side note XXXX XXXX never argues with me about these issues and simply negotiates a settlement with the merchant or charges merchant back and if merchant wants to resolve the issue they do so outside of the credit card system, perhaps Capital One is having problems that should be evaluated for risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I lost my job, called my credit card company and was offered reduced I interest and payments online for XXXX  months. I am planning on closing all my other credit cards and keeping this one until I get on my feet again. Shockingly I discovered my account had been closed. I reached out to the company and they said that that was part of the terms and conditions of the payment program. And that I was informed of this. I was never informed of this. I never wouldve agreed to it had I known that that was the terms and conditions because as I mentioned, I was planning on keeping only this card. Furthermore, they said they mailed me a letter its been XXXX  days since I made the arrangement I have received no letter whatsoever. I have called and asked them to reinstate my account and that was XXXX days ago. I just found out today that the person that I spoke to on that day said that they had submitted a claim or a request in my on my behalf and they actually never did anything. The woman I spoke to today submitted a claim and gave me a case number, but this is just XXXX doing everything that XXXX supposed to be doing in this situation trying to do the right thing and this company just keeps lying to me and Is being disingenuous, saying that I was read terms and conditions that I was not and I really need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent in a letter to XXXX, Experian, and XXXX. Please see the attachment for my full complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX have all investigated, contact, and decided that XXXX XXXX XXXX is reporting legally to my credit report but when a complaint was made to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX  about XXXX XXXX XXXX illegally reporting an account on my credit report, neither bureaus were able to obtain a response from XXXX XXXX XXXX Equifax XXXX XXXX, and XXXX have made false investigations and continue to allow this legal account be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i moved from XXXX  my address in XXXX was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and moved to XXXX my new resident is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX i have called them many times but no action was taken with EQUIFAX other agencies as updated to my current address and its affecting my verification process for things i want to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax to update this suspicious account. I think you have not validated the corresponding account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against this mistake. This was already included in my prior COMPLAINT : and I'm including it again. 
Please fix this account for I believe it is reported erroneously : XXXX XXXX XXXXXXXX Balance Owed : {$30000.00}
Product: Credit reporting

There is a account pop up on my report which i have no clue about.
Product: Debt collection

About 2 months ago, I cancelled my service with XXXX and I offered to return the cell phone in person. I was told they could not accept the phone nor use it unless I paid {$590.00}. 
My original agreement with XXXX was due to their offer of a free phone for my Business account. I closed down my business account after I retired and we set up a Personal account. However, at that time- I was NOT told that I would be charged for the XXXX XXXX until months later when I inquired about why my monthly bill was so high. ( After having paid almost {$700.00} for the phone. ) I moved my cell service over to XXXX and attempted to haveXXXX  unlock the phone or allow me to return it. Neither option was acceptable to the store rep. 
So, I signed an agreement with XXXX and purchased their phone. 
Today, I received a collection letter from Transworld Systems Inc. 
I am now in the process of filling out their form in order to dispute the debt. Their account reference # for me XXXX Any help would be much appreciated.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a debt collection letter for a bil that is fake. 
I called the company it is supposedly owed, they said they don't use that collection agency. 
It was sent to my father at my address. the bill was for energy in WY and he's been deceased for 7 years and only lived in CA for 75 years before that. 
See attached photo of bill
Product: Mortgage

XX/XX/XXXX, we submitted proof of insurance on a property on which Nationstar Mortgage holds a mortgage ; the policy covered from XX/XX/XXXX to XX/XX/XXXX. Despite this, the insurance department of Nationstar then purchased a policy on this property and billed us for the cost. When I received a call informing me that our account was in arrears, I then faxed another copy of the proof of insurance in XXXX XXXX. They sent me a letter claiming that the policy only covered until XX/XX/XXXX. I called and spoke to a customer service representative in the insurance department. I had the XXXX pull up the proof of insurance and read me the dates of coverage. This individual read that the dates of coverage were from XX/XX/XXXX to XX/XX/XXXX. He then assured me that he would correct their error and make certain that the account would show that we were not in arrears. This was not done. The next letter I received informed me that the proof of insurance I had provided was unsatisfactory because it stated that the policy covered XXXX structures. I called and spoke to a supervisor in the insurance department and explained that the policy covered XXXX structures because there were XXXX structures on the five-acre property, a fact which they could easily verify if the merely consulted the legal description of the property. The supervisor then told me that he would " research '' the issue and call me back. He never did so. I have received daily phone calls since that date, which was some two weeks ago. Each time I answer, the caller informs me that we are behind in our mortgage payments because we have n't paid for the insurance policy Nationstar purchased for us. I then tell ask to be connected to the insurance department. When I speak to the person in the insurance department, they tell me that they are still " researching '' our insurance policy and promise to call me back when they have resolved the issue. They never do. 
The kicker is that Nationstar did this same thing to us last year. They, of course, are reporting us to the credit reporting agencies, and our credit rating has been destroyed. I had to put in a great deal of effort last year to try to repair our credit rating. Now, I 'm going through the same experience again. 
I am at my wit 's end. We own XXXX real properties and have always paid all of our mortgages on time, and we have always submitted proof of insurance. No other mortgage holder has ever done anything like this. This company has made it nearly impossible for us to obtain credit now, and we have never done anything wrong. What recourse do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX XXXX XXXX : {$970.00} ; XXXX XXXX CO XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXXXXXX XXXX Balance : {$400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX