23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have allegedly have many accounts with Medical Data System. The accounts in collections with this creditor are all XXXX XXXX. I have been working with a debt consolidation program and have been attempting to get access to the correct documentation in order to add the accounts with Medical Data System. Due to me having relocated to Alaska for work I have been told that Medical Data System " does not bill to Alaska '' but " will not remove the items '' from my credit report. The company is refusing to mail me any documentation verifying the accounts listed with them due to me living in Alaska. I am working with a close family friend that is a lawyer who drafted a debt validation letter to be sent over to Medical Data System. I have called to Medical Data System three times and have been denied being given my account numbers. I have been told " I don't need them '' and " It will take like 20 minutes to list all of these. '' I have not received any call backs as requested but the items are being added to my credit report or Medical Data System is refusing to remove them.
Product: Money transfer, virtual currency, or money service

Commencing on XXXX XXXX XXXX XXXX, I was involved in a multilayered fraudulent scheme orchestrated by an individual with malicious intent. This ordeal resulted in me losing XXXX XXXX of my wifes life insurance money. She went by the name " XXXX XXXX ( the Fraudster ). " We communicated through messaging apps like XXXX and XXXX, and she made herself seem reliable. She convinced me step by step to put my savings into what I thought was a great investment opportunity. 
As we talked more, she introduced me to fake " XXXX ''. It was a digital wallet that always showed that I was making money, making me believe even more in " XXXX XXXX. 
I kept seeing the numbers go up on my screen. 
Then, the whole thing turned out to be a scam. The XXXX wallet wasn't real all the money I had put in disappeared
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Since XXXX of 2020 I have been dealing with identity theft, after filling a police report when my purse out of my car, all of my personal information including my XXXX social security cards, my bank cards and credit cards, even my unemployment XXXX debit card was stolen. Which resulted in my dealing with them taking over {$25000.00} dollars from me during the pandemic. I have send off credit reports and dispute letters to all three credit bureaus, XXXX XXXX Equifax and XXXX requesting them to please remove these accounts that have been fraudulently open. With proof of ID showing I do not even stay at those residents listed on credit reports. Due to these unauthorized charges on my credit report I did not apply for, please remove immediately. Nothing has changes
Product: Debt collection

XX/XX/XXXX Reviewed credit report and discovered a XXXX point reduction. Have never received notification nor calls from collector. 

Called on XX/XX/XXXX was not able to reach collector. Unable to leave voicemail either as I box was full. Dispute claim with XXXX. 

XX/XX/XXXX XXXX stated that collection is valid. Reviewed and confirmed it was XXXX service for mobile. The service was transferred over to an XXXX XXXX in XXXX and I was removed from the contract. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

Unable to reach collection agency yo resolve issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, XXXX  XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XXXX, and XXXX 2018 i noticed hard pulls appeared on my credit report that I didnot authorize. This is my third attempt at trying to get these inquiries removed from my report the companies have not sent any information verified I sent information to aquire these inquiries.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted XX/XX/2024, and I have not yet received a response. ''
Product: Checking or savings account

I filed a dispute with Chime for merchandise not received against a company on XX/XX/23 for {$38.00}. They closed my dispute saying merchant issue credit. I sent proof from the merchant showing that the credit was for another order so they reopened my dispute. 

They reopen my dispute and sent me a letter saying they issued me temporary credit for {$38.00} on XX/XX/23 and it was final. 
Ive emailed them multiple times advising they never issued credit to my account and they are violating regulations E policy and they never replied back. 

I told them to dispute the full amount charged now $ XXXX.
Product: Money transfer, virtual currency, or money service

AppFolio requires consent to their terms and conditions in order to use their payment services ( which are required by our property management company ). Please note that this service is just to recieve our rental funds from the company. This is the concerning paragraph from their terms and conditions : " You further direct and authorize us to obtain from any law enforcement agency, present or past employer or supervisor, landlord ( as allowed by law ), finance bureau/office , credit bureau , collection agency , college, university or other institute of learning or certification, private business, military branch or the national personnel records center , personal reference and/or other persons, and authorize these entities to give records or information that they may have concerning your status as a registered XXXX XXXX  ( as allowed by law ), criminal history ( as allowed by law ), motor vehicle/driving history, earnings history, credit history, character, general reputation, personal characteristics, mode of living, employment records, record of attendance and earned degrees or certificates, or any other information requested, whether the said records are private or public, and including those which may be deemed to be privileged or confidential in nature. Preparation of all consumer reports and investigative consumer reports will follow applicable federal, state, and local laws and regulations. '' Is this legal? Seems like it permits them to collect any data they want. How many consumers are really reading this before signing just so they can pay/collect rent?
Product: Credit reporting or other personal consumer reports

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Product: Credit reporting, credit repair services, 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, and I dont understand how they got there. I always check my credit report, and nothing like this has ever happened before. I refreshed my browser, thinking it might be a mistake, but the inquiries didnt go away. Im asking for an urgent review of the documents I sent to resolve this once and for all. I am beyond frustrated that this happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit file, and I request that you reinvestigate the following items : Incorrect and incomplete address information : XXXX XXXX XXXX XXXX XXXX, FL XXXX The inaccurate information on my credit report has negatively impacted my ability to fight against identity theft. I have attached copies of supporting documentation, including my driver license. 

I am aware that on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for violating FCRA by failing to properly reinvestigate disputes, delete inaccurate information, and notify consumers of the results of reinvestigations. Given these allegations, I respectfully request that you handle my dispute in full compliance with FCRA, specifically : Conduct a thorough reinvestigation of the disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. 
Forward all relevant information I have provided to the furnisher ( s ) of the disputed information.

Provide me with written notice of the results of the reinvestigation, including an updated credit report, within 30 days of receiving this dispute. 
Ensure that previously deleted information is not improperly reinserted into my credit file as it has been done so numerous times recently. 
If XXXX is unable to verify the accuracy of the disputed information, please remove it from my credit report immediately, as required by law. 

I look forward to receiving confirmation that you have received this dispute. Please respond to my request within the timeframes required by law. If you have any questions or require additional documentation, do not hesitate to contact me directly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter requesting verification of the information held with the company XXXX, a company I have never been associated with along with any documents or contracts with my wet signature for verification of any contract signed ( which is normal for my operation of business ). They returned with documents that were incorrect including an amount I did not owe them nor did I attend school dated back from 2015 in the amount of XXXX and XXXX including a disbursement date of XX/XX/2015. Not only did they return this inaccurate infomation, they also did not include majority of the things requested for verification for consumer ( including last billing statements, late payment notifications, original contract with wet-ink signature, proof when any debt owed became delinquent, proof of service with state, etc. ) This company is in partnership with the Department of Education XXXX XXXX XXXX and has unauthorized shared information within their operation of business. Including that, information came back under my request of verification in the form of documents including an incorrect mailing address, email address, and typed signature ( not official wet-signature signed per request ) as well as late payments on credit report to a business I never had business with. This matter is affecting my score with inaccurate information unverified and after my request, no action has been changed to remove, going against my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these queries. I lack information on this matter, and the company proceeded without my authorization.
Product: Debt collection

IC Systems has been attempting to collect on a debt that were settled with original creditor ( XXXX ). They have tried to collect on this settled/closed account and refuse to remove this settled/paid accounts from my credit report.
Product: Student loan

The student loan company, Mohela, is required to send a billing notice at least 21 days in advance of the payment. My payment is due XXXX and the billing statement was sent on XXXX
Product: Credit reporting or other personal consumer reports

Discover Bank sent me a letter stating the account in question was charged off XX/XX/XXXX due to non payment with a balance of {$4000.00} XX/XX/XXXX the account was placed with XXXX XXXX XXXX XXXX to assist in collection efforts. 

On XX/XX/XXXX a lawsuit was filed with XXXX XXXX XXXX XXXX XXXX, State of Illinois, but later dismissed WITHOUT prejudice on XX/XX/XXXX. I ask that you immediately investigate and confirm this debt was dismissed without prejudice and remove it from my credit report and all of Discover bank records as the debt is no longer owed or valid.
Product: Student loan

I was contacted by a Wells Fargo debt collector regarding status of a loan of which I did not have information on. I requested info of which the caller was unable to provide me with I received a letter on XXXX XXXX, 2016 from the Executive Office stating I would be mailed more info by XXXX XXXX, 2016. It is now XXXX XXXX and I have not received any info.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$100.00} worth of IOTX crypto ( XXXX tokens ) from XXXX to my Coinbase account. IOTX was trading much higher on Coinbase so I wanted to sell from their platform. I have made plenty of transfers in the past and they normally take 10min to an hour to process. After appx 6 hours and not receiving the transfer I began to XXXX what the issue could be. I found a XXXX page with people expressing their same frustration regarding the exact same situation ; transferring IOTX from XXXX to Coinbase. The consensus was, the money was lost. I first reached out to Crypto who immediately responded saying, Upon checking your account, I can see that your withdrawal request was completed on our end. With that being said, please contact the Coinbase support team for further investigation in a case that you haven't received your IOTX tokens yet.

So I then reached out to Coinbase and received this response.

It appears this transaction was performed using a network that Coinbase currently does not support. Since we dont support this network, the funds did not arrive in your Coinbase account and we do not have the ability to recover these funds. 
So although token transfers are permitted, and both sites used the same IOTX code, somehow my tokens ( real money ), were lost into oblivion. Coinbase went on to say they recommend transferring a small amount first to make sure it works. I am honestly not sure how money can just disappear, and not just for me, but for enough people there was even a XXXX thread about it.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered a instance of late payment on an account for which i have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. I have never missed a payment on the Following account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payment. If unable to furnish such proof, I demand that this payment be promptly updated to reflect their true status as on-time, as i have consistently upheld my payment obligations without delay.
Product: Debt collection

My name is XXXX XXXX, and I am submitting this complaint personally, with no third-party involvement. I have attached letters providing further details about the information being reported on my credit report. I have never had a contractual relationship with PORTFOLIO RC, and I believe the original creditor, XXXX XXXX XXXX XXXX sold my account without adequate notification. This constitutes a violation of FCRA Section 611, which pertains to the reporting of inaccurate information on credit reports. I request that this account be deleted immediately, as it is being reported inaccurately.
Product: Debt collection

I wrote few times and this site keeps kicking me off as I write a dept that's a total scam from a old XXXX  cellphone I returned and gave the tracking number to both parties scamming collection agency and XXXX  witch said they received both cellphone with the tracking number I gave them but this collection agency said I still owe them XXXX I have ported my old numbers to a new cellphone carrier. I don't owe anything and there wrong doing my credit report please get them off my credit report.
Product: Mortgage

My loan was sold to RoundPoint Servicing Corp for loan servicing before my 2nd payment ( last XX/XX/XXXX ). I tried setting up a bank account for payment, it took multiple attempts as they kept losing my submitted forms and/or bank account information. I then wanted to make biweekly payments, which required an additional form and bank information ( same bank, same account number, etc ). Well they lost it again multiple times. I went on the prepay {$5000.00} of principal on my mortgage. I called to inquire as to why my biweekly payments had not started, and they told me in order to do this, I had to be ahead on my payments by one month. Simple math people. That {$5000.00} payment knocked about 50 months off my mortgage. I opened an account with a local bank and added that bank to my online account at RPS. Several times I have tried to make this account my primary payment method and this has gone on to be ignored. I have called and chatted online with representatives who consistently tell me different things, including today. The representative ( XXXX was her name, I took screenshots of this conversation ) informed me that now there will be a billing issue because I have 2 bank accounts for this loan. Despite this, she was not willing to fix this. She flat-out refused to fix this despite knowing this is going to be an issue. All these issues and not one person has been able to assist me in resolving this or making payment easy and with options promised. I have repeatedly requested the simple option of biweekly payments and have repeatedly provided whatever documentation they have requested. I requested a supervisor contact me and as of this writing they have not called. Every contact I have had with RPS has been a hassle. It seems they go out of their way to be a problem. They go out of their way to not be willing and/or able to help. I have been nice about this, I don't get ugly. I have seen other similar complaints online and I wanted to get this out there for others to see. I will not be buying a house with a loan that uses RPS for servicing. I will also be researching on which regulatory authority to complain to for this.
Product: Credit reporting or other personal consumer reports

Credit card was falsely opened iam opening this complaint today on that behalf my credit has gone down to roughly XXXX because of this fraud, it started in XXXX and has been going on since my credit hasnt stopped going down I need help resolving this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request that chexsystems remove this credit freeze from my report. I have mailed thoccasionsem my docs requesting removal of thier product. I sent them my documents on multiple occasions. They continue to disregaurd my rights. I spoke with XXXX # XXXX, XXXX # XXXX, I need this security freezed removed from my file. Now!
Product: Mortgage

I had a Short Sale which closed XXXX/XXXX/2011. There was as XXXX & XXXX mortgage. I paid the XXXX mortgage ( HELOC ) Charter one bank the whole time and never missed a payment. They agreed to settle the debt. They are reporting on my credit that it was delinquent and a Charge off. It should be reporting as Paid as agreed, never late and debt settled*** Not delinquent payments and a Charged off balance still reporting. I even have an email from them promising this would settle the debt to a XXXX balance.This is damaging my credit and causing me financial harm. I am trying to refinancing and can Not because of this.