23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am unaware of this debt. I did not receive proper notification. If in fact that you believe that I receive proper notification, please provide the Certified Mail with the receipt with my signature on there stating that I received it. 
I also have a grave concern and to assert my rights under the Health Insurance Portability and Accountability Act ( HIPAA ) and the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that AMERICOLLECT has reported this debt related to medical services on my credit report, which I believe constitutes a violation of my privacy rights as protected under HIPAA, as well as a potential infringement of the FDCPA.HIPAA mandates the protection of individuals ' medical information and restricts the disclosure of personal health information without explicit consent from the individual. By placing information about this medical debt on my credit report without my direct permission, you have not only infringed upon my rights to medical privacy but potentially exposed sensitive health information to entities that have no lawful basis to receive it.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent account on my credit report. Please remove this account from my report. It is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this account twice with Experian. Once over the phone on XXXX XXXX,2017 and they placed a fraud alert on my file and sent it to the other two credit bureaus to follow suit. A couple of days later they sent an email with the dispute being ready and stated that the company has verified that it was my account and it will not be removed. I started another dispute for Experian to validate and not verify anything. I asked for all documents, contracts that i signed that was used to validate this collection account.and was XXXX XXXX XXXX licensed to collect any debt from me in this state. Once again i did not receive any documents validating any debt that is suppose to belong to me and that is being reported incorrectly and causing harm on my credit.
Product: Credit reporting or other personal consumer reports

Credit reporting agency need to update their system in regards to a beneficiary account information
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The following Account was paid in full in Accordance with XXXX XXXX XXXX by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and noticed there are items on there that have reported my private and non-public information which I did not provide explicit written or verbal permission for them to do so, and this is identity theft. They have compiled a report on me that is supposed to represent who I am. This has caused reputable damage to my life ; this information has been used to validate my credit worthiness with other creditors. These furnishers did not respect my right to privacy under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility which is unfair and partial. They assumed the credibility of these companies that the information The furnishings were correct and accurate. They never had a permissible purpose under 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) 1 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 USC 1681 ( a ) ( 2 ) An Elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. The CRA has undermined my right to privacy, I spoke with their fraud dept to provide info regarding identity theft and to advise I had made a claim with the Federal Trade Commission FTC Report is attached and a copy of my consumer report # When Speaking to CRA Fraud Dept, Customer Service Agent advised he could not disclose any business info relating to Equifax such as location, supervisor 's name, nor agent last name which I could not understand because this was the company that has my personal information and have inefficiently allowed furnishers to report information that they did have my expressed consent to do so. 

I demand Equifax to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theftXX/XX/XXXX Please understand I can only list from the file which I received from Equifax, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. I have enclosed a copy of my Identification I am also aware of the XXXX data breach which you failed to properly disclose your company was affected which resulted in XXXX XXXX XXXX XXXX  sensitive personal information. I am aware you have been deceiving consumers about the strength of your data security program and privacy policies and are continuing to cause me XXXX  and stress. 

Identity theft claim made to the FTC see attached.
Product: Debt collection

XXXX calls about XXXX or 3 times daily. Told them initially that its not me email and the debt is over 20 years ago. They contumely call
Product: Credit reporting, credit repair services, or other personal consumer reports

I have or had a credit card from Macy. Which was at XXXX balance. I had problems in the past about some one charging on the card. The card was supposed to be locked. I did not get any information about a balance. I checked the account for some reason and saw that there was a balance on the card. When I contact their customer service. They remove the balance because of their error. I asked to close the account because this was a frequent occurrence. Now I find out that Macy credit card. Has filed delinquent charges on my credit report. I feel that they did this because I didnt want to continue business with them. I am requesting to have the negative report from my credit.
Product: Mortgage

XXXX XXXX received notice that XXXX  property taxes had not been paid. And taxes +interest ( {$1600.00} ) was due by XX/XX/XXXX. 

XXXX XXXX called Mr Cooper and was told I had to email, fax or mailthe notice to the tax division which doesnt have a phone number to talk to someone. 

XXXX XXXX email sent. 

XXXX XXXX received email from Mr. Cooper saying the tax was paid and no further action was needed on my end. 

XXXX XXXX received final notice of delinquent taxes in the mail. ( {$1600.00} ) XXXX XXXX called Mr. Cooper to verify the taxes had been paid. They said yes. 

XXXX XXXX XXXX visited XXXX XXXX, XXXX XXXXax office and was told they didnt receive anything but if I could get the check number they could try to track it down. 

XXXX XXXX XXXXXXXX XXXX  spent XXXX minutes on the phone trying to get a check number and was told it was sent via wire transfer and that if they didnt get it, it was on the countys end. 

XXXX XXXX went back into office and was told they dont receive wire transfers for late payments. Only through one big batch in XXXX and the payment should have been denied. Was also told if it is not paid by XX/XX/XXXX our names will go in the newspaper as delinquent tax payers. 

XXXX XXXX XXXX called Mr. Cooper again and was told it would be looked into. 

XXXX XXXX XXXX sent another email to the tax division at Mr. Cooper with the new tax notice attached and asking for a phone call. 

XXXX XXXX XXXXXXXX XXXX making a complaint with CFPB hoping to get it resolved faster.
Product: Debt collection

TDBank extended credit to an identity thief in Michigan ( I reside in Colorado and have never been to Michigan ). The identity thief presented a fake Michigan drivers license to TDBank ( as confirmed by XXXX XXXX ). The Identity thief then used the credit to make a {$9900.00} purchase in XXXX, Michigan. 



The photo of the Identify thief on the fake drivers license shows she is XXXX XXXX, while I am Caucasian, and I sent TD Bank a copy of my drivers license. The identity thief used my former marriage last name which I have not used in over ten years and legally changed on all my documents-- including my drivers license, social security card and passport. 



Despite all of this information being provided to TD Bank, it has clearly failed to conduct a reasonable investigation, merely responding that the sales receipt was signed ( by the identity thief! ) so I am responsible. The thief used the false ID for credit from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, all of whom reversed the charges as fraudulent. Only TD Bank refuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently checking my credit scores and found some inconsistencies. I also believe the list below has violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX 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 states a consumer agency can not furnish an account without my written instructions. 
Please verify that these are my actual accounts and provide me with verified information showing a signature signed by me through certified mail. 
Please also provide me with information showing that I gave the following accounts written permission to furnish my accounts. Please send the following through certified mail to each account.
Product: Debt collection

i have been harassed daily for months now! i asked for them to provide me the original debt owed and they just kept getting mad at me. i asked for them to not contact me anymore and they still remain consistent. 
US LAW 15USC 1692CC : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Debt collection

I received notice of collections/ charge off on my credit file from American Express in XX/XX/. With a balance of {$5400.00} This negatively impacted my score dropping my credit by XXXX points. Im unaware of this account, not my debt.Due to inaccuracy, Id like this account to be entirety deleted and removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX     I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  XXXX  day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.
Product: Credit reporting or other personal consumer reports

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 talked to Transunion about the issue several times about this issue I have 11 unknown hard inquiries they told me they where going to remove the each time I called still hasnt XXXX back off my report I would like them remove permanently off of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # 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: Debt collection

I have reached out to BOTH XXXX  and I.C System, and I haven't recieved any real responses. 

Dear XXXX, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. 
The details of the debt in question are as follows : Creditor Name : I.C System Account Number : XXXX Amount : {$950.00} In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. 
o the name, address, and contact information of the original creditor. 2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. 
o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 
4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. 
Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome.

For your reference, I have enclosed a copy of my credit report with the entry in question highlighted. Please confirm receipt of this letter and provide a written response within 30 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely,