23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IC SYSTEMS is reporting erroneously on my credit file. I recently checked my credit file and noticed a bunch of medical debt being reported on my credit file. They are reporting on my credit file for a debt that I dont owe, I am unaware of any debts that I owe because I have been working with the hospital & I have insurance as well as medical hardship. This debt should have never been sent to collection. This is erroneous and needs to be removed.
Product: Debt collection

I received a notice of attempting to collect an alleged debt to XXXX XXXX XXXX, by RSI Enterprises , Inc ; XXXX XXXX ; XXXX, A, dated XX/XX/XXXX. This letter arrived in my mailbox at the beginning of XX/XX/XXXX.

It is alleged that I owe an amount of {$10.00} resulting from an alleged service dating back to XX/XX/XXXX.

As per my attached letter to RSI, I was never told of an amount owing, nor was there an invoice furnished, nor a statement ; I am totally perplexed. 
I find it unacceptable that RSI accepts an account for collection without making any attempt to verify the validity of said account. I call this shooting in the dark. 
As it turns out, someone jumped the gun, in the meantime, and reported me to the credit bureaus. I found out today, that my FICO score of XXXX was ducked by three points down to XXXX ( XXXX ) and XXXX ( XXXX, account 28 years and NEVER been late ), respectively. All that without any communications whatsoever beforehand. Shameful conduct. 
Why companies like XXXX XXXX, for example, do not advise their clients before the procedure that there is a co- payment, is totally unclear to me. The way it is now, seemingly, is that a third party ( the provider ) makes a contract with XXXX and the client pays, even though there might not be a contract at all. XXXX XXXX could charge whatever they like and then demand payment, or else. It's almost like giving them a password to one 's bank account.
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 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 Balance : {$81000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX  XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I was awarded {$3000.00} on XX/XX/2021 Next day I received a text from EDD Alert stating I had to reactivate my Bank of America card and sent me a link that took me to an actual edd website and had me enter my credit card information. I fell for it because of how the website looked and after that a couple min later I received a text of my new balanced someone had transferred {$2900.00} into a savings/checking account which I didnt own a checked or savings account or I didnt authorize that. After filing a claim with Bank of America on XX/XX/2021 I been getting denied and its still under review. Now if I would to go to the website its a broken link
Product: Money transfer, virtual currency, or money service

I coordinated a sale of a set of tires off a online forum with an individual who called himself XXXX XXXX. We agreed upon a price ( {$550.00} ) for the sale of the tires. He requested I send the money through USAA app via XXXX. I was ok with this since I trust USAA to back me when something goes wrong. I have never had an issue with buying in this manner before off of a forum member. So I sent him the money ( {$550.00} ) through the app so he could then send me the goods. However I once I sent the money he stopped responding to calls, text and email messages and completely disappeared. A couple days later the forum moderator sent me a forum wide message to all people who had been contact with him saying he was using the forum as a means to scam people, me being one of them. I used this information to make a claim to USAA, however they denied my claim and I am now out {$550.00} when I thought I would have protection from my bank for such an occurrence. Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

I sent Flagship Credit Acceptance a letter wishing to cancel the transaction because Pursuant to 1635 you never included my right to rescission nor did you provide me with the material of disclosure upon my request with the fact that I have the right to rescission. So I hereby exercise my right to rescind the agreement under the provisions of the Truth of Lending Law and 15 U.S. Code 1635 Right to Recission and I ask you to return my deposit/down-payment of {$1500.00} within the 3 years right to rescission as required by law. They have not responded in the 20 Day time from that they have by federal to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DISTURBING ENTRIES REPORTING ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS AND INQUIRIES SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Debt collection

Checked my XXXX  credit report and found that Credence Resource Management had flagged my account on XX/XX/19 for collections, saying I owe {$530.00} from XXXX. I have never received any documentation from either company, account was paid when the number was ported out to another company and all devices either paid in full or not purchesd from the company. I also have tried to send a certified validation of debt letter to Credence via the address provided on my credit report as well as XXXX when I search the company name and United States Postal Service informed me that the address does not exist. So now I have no way to formally contact the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to stress you have given me.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX my records for federal student loans where accessed by XXXX. without my consent in violation of my privacy and FERPA.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Subject : Resolution and Compensation for Illegal Reporting Practices and Resulting Harm Complaint Details : I am filing this formal complaint regarding the blatant disregard of consumer protection laws by credit reporting agencies and/or creditors in their continued reporting of inaccurate and unlawful information on my credit report, specifically related to : XXXX, Account # XXXX, and the alleged late payments unlawfully listed. 
This ongoing and illegal reporting of alleged late payments has caused undue harm to me and my family, both financially and emotionally. The failure to comply with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws has directly resulted in : Stress and mental anguish : The repeated denials for credit have caused significant distress as I struggle to provide for my familys basic needs. 
Inability to secure necessary household resources : Due to the negative impact on my credit, I have been unable to obtain financing or approval for essential items such as housing, transportation, and utilities, creating undue hardship for my family. 
Defamation of character and financial reputation : The inaccurate reporting of alleged late payments has tarnished my credit history and financial standing, impacting my ability to live with dignity and security. 
Resolution Demanded : To resolve this matter, I demand the following : Immediate and permanent removal of all inaccurate and unlawful entries, including the alleged late payments tied to XXXX, Account # XXXX, from all credit reporting agencies. 
Written confirmation that my credit report has been corrected and is now accurate and in full compliance with the law. 
Compensation for the harm caused by this blatant disregard of the law, including but not limited to : Emotional distress : Compensation for the mental anguish and stress caused by this issue. 
Financial damages : Compensation for the inability to secure necessary household goods and services, as well as any fees or higher costs incurred due to the inaccurate reporting. I am seeking compensation in the amount of {$25000.00} for the cumulative harm caused. 
Should this matter not be resolved promptly and satisfactorily, I will escalate my complaint to other regulatory agencies, including the Federal Trade Commission ( FTC ) and state attorneys general, and pursue legal remedies to ensure my rights as a consumer are fully upheld. 

I trust you will treat this matter with the seriousness it deserves and respond promptly to address this issue and provide restitution. 

ATTACHED IS FTC AFFIDAVIT Thank you for your immediate attention to this urgent matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 

The inaccurate entry is as follows : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Past due balanceXXXX Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Past due balance : {$510.00} Creditor Name : XXXX XXXX XXXX Account Number:XXXX Date of Charge-Off : XX/XX/XXXX Past due balance : {$680.00} I redispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA.

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

On XX/XX/XXXX, a transfer of XXXX euros was sent from my bank account in the XXXX, to a bank account owned by Coinbase. It was a SEPA transfer. Coinbase provided the XXXX, Reference Number and XXXX/XXXX code in order to transfer money into my account with them. This transfer was expected to complete within 1-3 business days. 

It is now XX/XX/XXXX and the money has still not appeared in my coinbase account. 

On XX/XX/XXXX I raised a support ticket with Coinbase. They are reporting that they are overwhelmed with requests at the moment, but state they are prioritising cases where money is missing. I got an automated response saying it may take several days to get a response. I has now been a week and I have had no response from them. 

I am now seeing an alert in the Coinbase website stating that they do not accept transfers from XXXX XXXX. My transfer was from XXXX XXXX XXXX. Perhaps this is what they mean, but never the less, its too late to report that when it is not mentioned in their guide to making payments here https : //support.coinbase.com/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is manipulating my credit files in violation of federal law. Trans Union and XXXX   are complicit in this manipulation. 

I have attached two copies of my Trans Union file ( XXXX is the same ) showing that XXXX XXXX had closed the account in XX/XX/XXXX. They changed that report in XXXX to move the closed date to XX/XX/XXXX. This is negligent non-compliance at best and willful non-compliance at the worst. I did not redeem this repossession nor did I rewrite the balance in any way. The change of the closed date dropped my score 50 points because it now appears that this is a recently closed collection. 

I already have a complain against XXXX XXXX for violation of the FCRA and FDCPA. ( Complaint number XXXX ) They had reported a balance of {$71.00} as late as XX/XX/XXXX. But  when I tried to pay it, they said the balance was {$1500.00} and settled it for more than {$500.00}. Clearly a violation of the added funds portion of the FDCPA TRANS UNION and XXXX  allowing this manipulation of federal law is definitely negligent non-compliance
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. As a victim of a data breach, these entries are fraudulent and unauthorized. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these items removed. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have contacted the credit reporting agencies and them know the inquires that are listed on my report in the document i have included below are not suppose to be listed on my consumer report. I am highly concerned and frustrated that it is listed. I have not gave anyone permission or consent to report them. This is identity theft. Aggravated Identity Theft 18 U.S.C. 1028A
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Closed on XX/XX/year> XXXX XXXX Closed on XX/XX/year> XXXX XXXX - XXXX Closed on XX/XX/year> XXXX XXXX XXXX Closed on XX/XX/year> These are fraudulent accounts they are now mine I filed a identity theft report these are not mine an by law shouldn't be on my account
Product: Payday loan, title loan, personal loan, or advance loan

XXXX  application for the XXXX  loan was denied but from XXXX  understanding in the federal reserve act section XXXX ( issue notes ) u.s bank received the XXXX  for their bank that was on XXXX XXXX but XXXX  didn't receive anything in return. Instead XXXX  was denied the loan because of a low XXXX XXXX and excessive debt utilization. After reading XXXX  codes that's not a reason to be denied. I only asked to retract XXXX  XXXX  because I don't want the bank taking out from XXXX  estate and leaving XXXX  with nothing in return
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dispute of Credit Report Entries for XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information contained in my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. My name is XXXX XXXX. 

Upon reviewing my credit report, I found the following accounts that I believe to be incorrect or improperly reported : XXXX. XXXX XXXX XXXX - Account XXXX : {$1900.00} - Account XXXX : {$1400.00} - Account XXXX : {$1300.00} XXXX. XXXX XXXX - XXXX : {$3200.00} I request a thorough investigation into these accounts, as I believe they may contain errors that are affecting my creditworthiness unfairly. Pursuant to the FCRA, you are required to conduct a reasonable investigation of my concerns. Any information that can not be verified should be promptly removed from my credit report. 

Please investigate these accounts and provide me with a written response detailing the findings of your investigation and any necessary corrections made to my credit report. 

Additionally, I kindly request that all communication regarding this matter be conducted in writing. 

Thank you for your timely attention to this matter. I look forward to your prompt response. 

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

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear ( EQUIFAX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX. PLEASE UPDATE MY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX
Product: Debt collection

I owe Bridgecrest {$100.00} left on my car loan of {$20000.00}. I asked them not to call my phone any more because they call several times a day. The day after I advised them not to call ever again they called back and even read the notes that had been documented to never call back. that was actually 2 weeks ago. 

Well tonight I actually got a call from them at XXXX XXXX from XXXX as I am asking why they are calling that time of night she never even acknowledged that she was calling out of time zone and was actually quite rude. 
While I do know that I owe them I asked to never be called again and I am most offended because I was called after XXXX EST.
Product: Credit reporting or other personal consumer reports

I've contacted all XXXX credit bureaus to have my personal information corrected and reported that the address and phone numbers were incorrect. I have been told that they would notify me when it was corrected, but it still reflecting incorrect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) Account number XXXX Placed on my report XX/XX/2021 2021