23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made disputes to XXXX  to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation  from the collection agencies and made multiple disputes with XXXX, including an XX/XX/XXXX dispute through the CFPB about XXXX  not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the XXXX XX/XX/XXXX dispute investigation. XXXX confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to XXXX  by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem to have indicated that nothing else matters, including the privacy of my medical information. 
SIMONS AGENCY received one dispute through XXXX prior to this complaint. XXXX has told me that my XX/XX/XXXX CFPB complaint was attached to the dispute sent to Simon agency. I contacted Simons agency and was told there was an attachment to the dispute.
Product: Credit reporting or other personal consumer reports

there is an open account on credit report and i closed it 11 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Experian and XXXX   to dispute a collection that was reported on my credit report by XXXX XXXX XXXX XXXX for the amount of {$340.00}. XXXX XXXX XXXXXXXX XXXX started reporting it to Experian and XXXX  XX/XX/XXXX. I have challenge the accuracy of the dispute with Experian and XXXX. XXXX has followed my request to delete the collection off my credit report. Experian sent me a letter reapplying back to me as a valid debt. I have requested in my letter to them the accuracy of this account and to show me documentation of the debt and my signature on any contract. They have not provided me anything show that the debt belongs to me. I have talken to XXXXXXXX XXXX XXXX XXXX over the phone about the debt on XX/XX/XXXX at XXXX again as to what they have for proof that the debt belongs to me and the dispute department has no proof it belongs to me. So how can Experian say that the collection is Valid, accurated and has been Verified.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX FL XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX : {$800.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax with detailed descriptions of accounts that were negatively impacting my credit. I asked for a full investigation to be done. I gave them 40 days to respond and I did not receive anything. On XX/XX/XXXX I sent another letter to Equifax along with my original letter that was dated XX/XX/XXXX. In that letter I asked them to delete the accounts since there was no response provided. I based my letter with knowledge from the FCRA and stated that I would protect my rights if I have to. It is now XX/XX/XXXX, well over 30 days later and I still have yet to receive a response from Equifax. 

This is my second complaint regarding Equifax for the same accounts. First complaint XXXX
Product: Credit reporting or other personal consumer reports

Someone stole my Experian online account. Experian knows my name, phone number, and email address. I was not contacted in any way to approve any account changes. 
They only notified me that the email address on my account had changed. I contacted them that day to correct the error. It took them a week to respond. Experian is now forcing me to send them copies of personal identification to retrieve my account. 

These are wildly insecure practices. There isn't anything preventing this thief from stealing my account again once I get it back.
Product: Credit reporting or other personal consumer reports

THERE ARE NUMEROUS ACCOUNTS REPORTED ON MY CREDIT REPORT THAT IM UNAWARE OF. IVE ALREADY REPORTED THIS INFORMATION TO THE FTC
Product: Credit reporting or other personal consumer reports

I have been disputing this account since XX/XX/2023. I never opened this account and it is under and social security number but not my name. I have written the company and sent certified letters to the company since XX/XX/2023 with no results. I have requested a copy of the papers or loan agreement with my name on it but no respond. I have disputed online with XXXX and Experian and no results. It did get removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, Good Morning, I hope your doing well. 

Request for Immediate Deletion of Charged-Off Account Pursuant to Metro 2 . 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing to you regarding an account that is currently charged off in my credit report. I kindly request your assistance in facilitating the immediate deletion of this account from my credit history in accordance with the Metro 2 guidelines. 


According to the Metro 2 guidelines, specifically Section 605, the credit bureau has the ability to delete or update information reported.I have provided it is inaccurate or no longer relevant. I firmly believe that the charged-off accounts mentioned above can be deemed as inaccurate and obsolete, warranting its prompt removal from my credit report. 

In support of my request, I would like to highlight the following reasons : 1. Inaccuracy : Upon thorough review of my credit records, I have discovered several discrepancies and inconsistencies pertaining to the reported details of the charged-off account. I believe these inaccuracies may have arisen due to data entry errors or miscommunications. 

2. Verification : I kindly request that you validate the authenticity and accuracy of the information reported for the mentioned account. As a consumer, I have the right to request verification of any data affecting my credit report. 

3. Timeliness : The deletion of this charged-off account is of utmost importance to me, as it is negatively impacting my creditworthiness and hindering my ability to secure favorable credit terms. I kindly request that you expedite the resolution of this matter within five ( 5 ) business days, as allowed by the Metro 2 guidelines. 


I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

Please be advised that, as per my rights under the Fair Credit Reporting Act ( FCRA ), I will monitor the progress and outcome of this request closely. In the event that the requested actions are not taken within the specified timeframe or if the account is not found to be inaccurate, I may be compelled to pursue further remedies available to me under the FCRA. 

I appreciate your understanding and cooperation in addressing this matter promptly. 

Thank you for your immediate attention to this request. I look forward to a swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an account notice and a card in the mail to my home address for an account that I did not open. This account was fraudulently opened despite having alerts associated with my social security number because of stolen identity. The phone number on the account is not my phone number, and that is how they wanted me to pass the security check when called to close the account. They told me that they can assure me the account is closed, but they refuse to give me written confirmation that the account was closed. I need written confirmation that the fraudulent account was closed to protect my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of  COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX INQUIRED on XX/XX/XXXXXXXX XXXX XXXX XXXX INQUIRED on XX/XX/XXXX XXXX XXXX XXXX INQUIRED on XX/XX/XXXX XXXX XXXX XXXX INQUIRED on XXXX XXXX, XXXX XXXX XXXX INQURIED on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX INQURIED on XXXX. XXXX, XXXX XXXX XXXX XXXX INQURIED on XXXX XXXX, XXXX XXXX XXXX INQURIED on XXXX. XXXX, XXXX XXXX XXXX on XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Payday loan, title loan, or personal loan

XX/XX//2017 I opened an account with paypal credit. It should have been paid off by now, but now they have it listed as a ridiculous amount that I did not do. I only started out with XXXX, now it is over 10,000.00.  That is ridiculous. There is no way I spent that much.
Product: Credit card

I was offered a promo to switch credit card ending in XXXX to XXXX XXXXXXXX XXXX and get XXXX miles After not getting the miles promo I contacted customer service and they said rep made a mistake and shouldnt have offered that promo Thats misleading thats breaking advertising laws and I want what I was promissed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute these unauthorized inquiries via phone/letter 2 times. I am being ignored this is against the FCRA. These inquiries do not belong on my credit. 



XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX - XX/XX/2023
Product: Credit reporting

I am having continued issues with my credit file and equifax. I can not gain access to my report through my monitoring service that I have paid for quite some time. In my monitoring service I have the option to lock my credit report and I tried to unlock my report and have been unsucessful in getting this done. I have tried to contact equifax and it seems to go no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian provides no way to remove a security freeze. 

My account has a freeze that is preventing me from getting any credit issued to me. The direct contact information disconnects you, and the automatic one only allows you to place freezes. 

When calling the XXXX XXXX XXXX you will be asked by a woman " where to direct your call '' then she will transfer you to a deadline or disconnect you. 

They provide no email support for this issue, and due to the software use and automation, you can effectively not reach them for anything regarding this issue.
Product: Debt collection

On XX/XX/XXXX at XXXX I went to my bank at XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma and resolved my debt that pertained to my overdrawn checking account through the drive thru. I brought my account to a positive balance. XXXX XXXX at my bank told me my account was resolved and in good standing. She the proceeded to turn my account over to Transword Systems Inc for collections for {$150.00} after she tacked on a {$15.00} late fee at the time I made my payment to bring my account current. I got the {$15.00} fee waived after I paid the balance owed of {$140.00} on XX/XX/XXXX. Transworld Systems Inc. generated a collections letter and sent it to me on XX/XX/XXXX. On this letter there was not the disclaimer of " this is an attempt to collect a debt, any information obtained will be used for that purpose ''. I called this company but was put on terminal hold and decided to file a complaint for fraudulent collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer credit information is collected, reported, and used. While the FCRA does not specifically address inaccurate charge-offs, it provides certain protections and procedures that can be relevant when disputing inaccurate information, including charge-offs, on your credit report. Here are some key provisions of the FCRA that may apply : XXXX. Accuracy of Information ( Section 607 ) : Credit reporting agencies ( CRAs ) are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. If you believe that the charge-off information reported on your credit file is inaccurate, you have the right to dispute it with the CRAs. 

XXXX. Investigation of Disputed Information ( Section 611 ) : When you dispute inaccurate information on your credit report, the CRAs must conduct a reasonable investigation into the matter. They are required to contact the creditor that provided the information and request verification or correction. The investigation should be completed within 30 days, although there are exceptions for certain circumstances. 

XXXX. Reinvestigation of Disputed Information ( Section 611 ) : If you are dissatisfied with the outcome of the initial investigation or if the inaccurate charge-off information reappears on your credit report, you have the right to request a reinvestigation. The CRAs must conduct another reasonable investigation and provide you with a written response within 30 days. 

XXXX. Obligation to Correct or Delete Inaccurate Information ( Section 611 ) : If the CRAs find that the reported charge-off information is inaccurate or can not be verified, they must promptly correct or delete it from your credit report. They are also required to provide you with a free copy of your credit report reflecting the changes. 

It's important to note that while the FCRA outlines these rights and procedures, it does not guarantee that inaccurate charge-offs will be removed from your credit report. The outcome of a dispute depends on the results of the investigation and the accuracy of the information reported by the creditor. It may be helpful to gather supporting documentation and evidence to strengthen your case when disputing inaccurate charge-off information. 

If you encounter challenges in resolving the issue through the credit reporting agencies, you may consider consulting with a consumer law attorney or contacting the Consumer Financial Protection Bureau ( CFPB ) for further guidance and assistance in asserting your rights under the FCRA.
Product: Debt collection

As a federally protecte

d Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMAND
S the following below : Account Name : PORTFOLIO RECOV ASSOC Account
Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the account - XXXX XXXXXXXX : # XXXX and CFPB complaint for Transunion. 

I have sent notarized and certified mail to this company regarding the laws they have violated and requesting financial compensation for these violations. 
They have harassed me consistently by calling my phone and my wife 's phone, they have sent me dozens of letters requesting compensation and have went as far as updating the status on the account even though I have never spoken to them and this account is over 7 years old. 

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors, and I have been abused and deceived, so be it. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ C ] [ A ]. A debt collector may not communicate with a consumer in connection with a collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ B ] [ 2 ]. not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ B ] [ 5 ]. Not use any language or symbol on any envelope, or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection, business, or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. [ D ] [ 2 ]. The use of obscene, or profane profane language, or language, the natural consequence of which is to abuse the hearer, or reader. 

I am requesting again that this account be removed from my Transunion report and that I receive {$1000.00} in compensation for each of the 4 federally protected consumer rights violations this company has committed ( 15 USC 1692 ).