23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am filing a complaint today with you on Discover Financial Services who enrolled me in one of their programs Discover Protection Services WITHOUT my legal authorization when I opened up my account on XX/XX/XXXX. Their fees including interest based on this service have accrued to around {$8000.00} - {$10000.00} currently. 

I filed a dispute over a year ago and they only agreed to repay me {$850.00} and closed my case and shut down communication immediately. I found it absolutely unacceptable and proceeded to write 3 letters over the course of a year to appeal this - I faxed and sent to all the contact # 's I received online and through customer reps. I received ZERO response from Discover. 

Finally, I found an email only listed on the XXXX XXXX XXXX   website for their Executive Offices and I attempted a 4th attempt to contact them. 

Nonetheless, I only received an official letter rejecting what I was requesting from them with a generic response. 

The MOST important fact in this complaint that has to be noted going forward, is that I DID NOT voluntarily ask for this. 

I would like it to be noted on this complaint I am filing now, that throughout this process, all my attempts to communicate with Discover is that I have ALWAYS requested them for proof to that I actually voluntarily signed up for Discover Protection Services. 

If you read my enclosed letters to them I provided ALL of my contact information ( which they should have had anyway ), and that I have always been available for contact so I could assist them in an investigation. 

A company as big as Discover certainly would have the means through basic technology - documents and call recordings, yet NOTHING was received. 

I have fought this since XX/XX/XXXX and spent a many time and effort to present my case but have only received unfair resolution and no one is listening. 

I have always paid my bills on time to EVERY creditor I have, and now Discovers negligence has caused my credit score decrease signifigantly on all my reports.
Product: Credit reporting or other personal consumer reports

My information has been exposed in a data breach. I received notifications on XXXX XXXX numerous times that someone has been using my information on a dark web. I would like all of this stuff remove from my credit report, including old addresses, and old increase as well.. I want all this information cleared off my report under the law code 15 U.S.C. 1681. This isnt fair to me that somebody could just take my information and do whatever they want with it. My credit is messed up and theres over 20 different alert alerts on XXXX XXXX saying that someone has compromise my information using wrong birthdates and addresses and phone numbers. Please help me resolve this matter.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/XXXXXXXX  RightPath Servicing sent a response letter containing knowingly false statements. RightPath Servicing falsely claims that the proof of insurance provided by the borrower only covers the four walls of the unit and exterior fixtures. The servicer has received proof of ample coverage in the form of a side-by-side comparison image of the HOA master policy coverage and the HO6 insurance coverage purchased by the servicer. RightPath Servicing ridiculously claims " Everything inside is not covered by the association ''. This type of response is one of many ridiculous claims/statements made by RightPath Servicing , such as, " the verbiage betterments, improvements and walls-in '' are required terms that must be found in the HOA master insurance policy in order for the servicer to accept coverage. RightPath Servicing also stated, " sometimes HOA 's include HO6 insurance in the master policy '' but insinuated that the proof of insurance sent by the borrower did not have such HO6 coverage. It is abundantly clear that there is a serious lack of understanding of this issue within the employment of the servicer. RightPath Servicing has recently accepted proof of insurance coverage from the borrower in the form of the HOA master insurance policy, coverage for period XX/XX/XXXXXXXX  to XX/XX/XXXX. This policy, as required by the XXXX XXXX HOA Governing Documents, provides coverage for the entire unit including the interior. The master insurance policy provided by the borrower back in XXXX, XXXX and XXXX of XXXX  as proof of coverage, provides the same all inclusive coverage as the policy recently accepted by the servicer. The numerous and repeated false claims by the servicer, RightPath Servicing, are new offenses each time a new false claim is made or the false claim continues to be made after proof of the falseness of their claim has been provided. Each time a knowingly false claim is made, a separate offense has been committed. In order to overcome the claim by the borrower that the claim made by the servicer is false, RightPath Servicing must respond with the requested documents proving the validity of their claim or position. The recent document provided by RightPath Servicing, a letter from XXXX XXXX XXXX to the borrower, stating the HO6 insurance purchased by the servicer has been canceled due to the proof of insurance provided by the borrower, is only proof of the borrower 's current position.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> i notified Experian that there were some things on my credit report that I did not recognize. I sent them instructions to block and delete the accounts due to the Data Breach ( 15 USC 1681c-2 ( a ) which were in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dealers company access or share my credit report multiple times without my authorization with more than 5 agencies at the same time and same date. To my understanding when you purchase a house or vehicle during a period of days only one hard inquiry goes to the credit reports. In my case XXXX inquiries to XXXX, XXXX to XXXX and XXXX to Transunion. All done the same date.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # : XXXXXXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXXXXXX acct # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX  acct # : XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct # : XXXX has violated my rights. 

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

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

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

One Main Financial is reporting a inaccurate inquiry, which is hurting my credit score.I have not received any lines of credit from them nor have I given them permissible authorization to run my credit. I have tried to dispute this matter but they are not complying with consumer laws.Please help me resolve this matter thanks
Product: Debt collection

I called XXXXXXXX XXXX, requested internet services to be shut off. XXXX continued billing me for additional months even though service was disconnected. I moved shortly after that several years ago. Now Im getting calls like crazy from sequium asset solutions collection agency. Collections has filed a credit debt delinquency. My dad has had a similar experience disconnecting services and continuing to get billed after the fact. On top of that, XXXX just lost my ssn to some hackers, which they shouldnt have asked for in the first place if you ask me. My ID should be enough to verify who I am.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Employer - XXXXXXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX Incorrect XXXX : - 1982 Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX Employer - XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged DEPT OF EDUCATIONXXXX - XXXX DEPT OF EDUCATION/XXXX - XXXX DEPT OF EDUCATION/XXXX - XXXX DEPT OF EDUCATION/XXXX  - XXXX DEPT OF EDUCATION/XXXX - XXXX DEPT OF EDUCATIONXXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to report accurate information after several attempts to dispute an open account from XXXX XXXX XXXX in the amount of {$4.00}, XXXX. The company that sent my account into collections is XXXX  XXXX XXXX. I went to court prior to the date they sent my account into collections. The Judge dismissed the case that XXXX XXXX XXXX filed against me once I showed the judge proof the bldg had been burned down, mold, and rodents including rats. The manager at XXXX XXXX XXXX did not show up to the Court date which also led the judge to dismiss the case against me. Subsequently XXXX XXXX XXXX have been reporting the information that the judge dismissed. I have provided Experian this information since XXXX and they have disregarded it. Furthermore, I have contacted them today XX/XX/XXXX and spoke with a rep who stated the documentation I have is " too old '' to add to dispute which I find to be unfair and unprofessional considering they are reporting " old '' accounts and the documents I have will reflect the date of interest. Experian is failing to do their due diligence in reporting accurate information. Their negligence has costs me monetary issues and has affected my livelihood and I will like to take legal matters. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient student loans has indicated that I owe {$24000.00} since XXXX/2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, XXXX and XXXX immediately they do not even list account numbers on my fico reports!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited the XXXX in XXXX XXXX after being XXXX  in XXXX. I am a XXXX veteran so my visit is paid by the Department of Veterans Affairs. It is currently XX/XX/XXXX and my credit report just changed due to " Law offices MBA '' reporting a debt. I called them and explained that this debt is not possible due to the aforementioned situation. They told me to " have the VA call them '' for proof and that they verified the debt with XXXX XXXX. XXXX XXXX does not seem to have a phone number. I'm sure this is a billing error in XXXX but I have spent approximately 20 hours trying to fix this companies error. They were supposed to bill the VA. I can not do that for them. I do not have more time to work on this.
Product: Debt collection

I have had several calls to my work number after I have asked them XXXX to stop calling my work as I am not allowed to have private calls on the company phone. I have also told them XXXX times to quit calling my cell phone and have blocked XXXX numbers they call from, and they still keep calling.
Product: Debt collection

SYNCB/JC PENNEY DC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have contacted both SYNCB/JC PENNEY DC and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$4800.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online
Product: Vehicle loan or lease

I have been violated by ALLY FINANCIAL and its agents. See documents attached.
Product: Debt collection

XXXX, XXXX, and XXXX have been reporting on my personal SSN credit report a collection account from Allied Financial Services from a fraudulent transaction I disputed on my XXXX XXXX Credit Card. For over two years, allied collection service had harassed me via phone calls calling to collect a debt that I did not create or owe. 

The reporting agencies and the creditor mentioned above have been put on notice multiple times via mail for violating my rights Fair Credit Reporting Act and other laws that govern every consumer in America. The past few years have been a nightmare with no successful credit applications being processed due to these collections negatively impacting my report. Reporting wrongful information on ones credit report is a violation of 15 USC 1666 where its states that a company has to conduct an investigation and remove the account in the event that the information is determined to be an error. 
The reporting agencies successfully removed the report from my report for one month and then successfully removed the collection from my report only to have it added on again. 

Aside from the the original creditor, Allied Collection Services, continuing to sell my information to 3rd parties reporting agencies, a violation under 15 USC 6802 Obligations with respect to disclosures of personal information, they also violated my rights by never having sent me a opt out form allowing me to opt out of any reporting of these accounts onto my credit report. 

For these reasons, I would like to file a complaint against these companies for their damages due to their unlawful acts and unfair practices. Their use of my information is not authorized and has been made known to them in several written notices of the course of the past year attempting to have the false information removed.
Product: Mortgage

In XX/XX/XXXX, I was advised by letter from the Bankruptcy Court that I owed a balance. I had to supply Mr. Cooper three years of bank statements to show payments were made every month. They " fixed '' it until I received my statement for XXXX. The amount due was more than my monthly payment. I called. I was told that I owed half for XXXX, and XXXX. I asked my lawyer for advice as I wanted to move forward with my bankruptcy. I paid it. I received my statement for XXXX - I owed the standard payment. I paid it. I received the statement for XXXX - again, amount due is more. To date, payments not applied correctly i.e. my payment for XXXX was called in on XX/XX/XXXX, debited from my account on XX/XX/XXXX and the website shows XXXX is due and now, I incurred a late fee. I continously call every month. I am beyond frustrated.
Product: Debt collection

Day Knight & Associataes Creditor Name : XXXX XXXX XXXX I have no knowledge of this account. Just recently pulled up credit repot and see it has been on my credit since XX/XX/2017. I will like to dispute this account do n't believe it belongs to me.
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. THE BUREAUS and PORTFOLIO RECOVERY has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I checked my credit reports online. I found that USBank had done a soft inquiry on XX/XX/XXXX and XX/XX/XXXX. I have reason to believe that a  specific branch manager has checked into my accounts to see our " assets '' value. After speaking with my local branch manager, I called the XXXX number as advised. After an hour of being passed from one department to another I was told that they had no way of checking this or any way to see if my information was checked. I then contacted XXXX XXXX XXXX, Execuitve Director of credit disputes, by mail on XX/XX/XXXX about these inquiries. XX/XX/XXXX I received a letter regarding an inquiry on XX/XX/XXXX, which I was not concerned with, but nothing about the XX/XX/XXXX dates.

XX/XX/XXXX I sent a letter to USBANK Bureau Inquiry requesting the reasons for the XX/XX/XXXX inquiries and have had no response. I included copies of my credit reports in these mailings. 
I do understand that a soft inquiry does not effect my credit score. This would be a case of security and privacy breaches. Please advise.
Product: Checking or savings account

I have an unauthorized transaction on my bank account.Two unauthorized Transaction was made by XXXX on XX/XX/year> the amount was a big amount {$5700.00} and {$4.00}. I have told bank many times and they opened a claim and they closed a claim and said me that this a authorized transaction and told me to contact merchant to get refund I called XXXX ( XXXX ) and told them that there is a unauthorized transaction made from my account. They said give the transaction details found on transaction details of bank account as I gave them details they told me to verify whos account is that I told them this is unauthorized transaction how would I know whos account is this they said as I failed to verify that they cant give me refund and told me to contact bank. As bank customer care team are hanging up calls on me as I tell them about this unauthorized transaction. Bank is saying get the money back from XXXX and XXXX is saying get the money back from bank both of them are giving me hard time and this is my savings i cant loose that. I have even made police report on this unauthorized transaction.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!