23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried numerous attempts with Equifax to dispute information that's fraudulent, on XX/XX/XXXX XXXX XXXX appeared on repport with an original date is from XX/XX/XXXX. At every dispute whether by mail online of phone Equifax has changed the collection date each time to reflect the date that I have filed dispute as the time the item was opened making it seem like a brand new collection therby crashing my credit by over XXXX pts each time. 
I am attaching screen shots of my credit crashingXXXX  points then went up XXXX then back down againXXXX points again each month in dispute with XXXX having a yo-yo score 9 times. 
I filed police report and on XX/XX/XXXX and faxed it Equifax for the second time to Equifax on XX/XX/XXXX. Each time I have to wait 1 week for it to show up in their system. Each time the report never arrived in Equifax system byt I have email confirmation that the faxes were infact deleivered. 
I did some research an foun XXXX XXXX is collecting this account for XXXX XXXX which is a commerical merchant processing bank of some kind for businesses, not people. I am attaching a screenshot of the company XXXX XXXX represents. 

I demand an immediate resolution to this nightmare. I am attaching the police report, the " Commercial Creditor '' name I found to be related to XXXX XXXX XXXX which shows its a merchant credit card processor and my credit score going up and down every few days. 
I have been denied credit 3 times specifically because of Equifax ' willfull negligence on this account. Equifax has zero representatives to speak to in the United States which makes it an even worse nightmare, giving my personal information to someone in another country who in the end has royally screwed up my file everytime they have touched it.

There is a police report and Equifax MUST remove this account now. I was also a vicitm of Equifax ' data breach and Im wondering if this how this fraud came about?
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. LINCOLN TECH violated 15 usc 1692b. ( 5 ), 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account name : Untitled Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

Since last week ( Friday, XX/XX/2018 ), XXXX XXXX XXXX  had called me and my husband to collect a debt from a Walmart Credit Card. Yesterday ( Thursday, XX/XX/2018 ) they have contacted my husband via his phone number and threatened to sue me.
Product: Vehicle loan or lease

This lender has failed to release the lien on my auto title despite the loan having been paid in full for over the 30 days permitted by state law. The loan was paid off on XX/XX/XXXX, and I have made multiple requests for the clear title. I called again yesterday ( XX/XX/21 ), and was again informed that the title has not been released, with no answer of when I will receive it. This has now resulted in TWO deals that have fallen through where I have arranged to sell the vehicle, but the buyers have backed out due to not having the clear title in hand. I will be filing a lawsuit as a result. They are in violation of state law by not releasing the lien within 30 days of the loan being paid in full, and for the monetary loss I have sustained by being unable to sell the vehicle that I rightfully own outright.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 breach and may have got into the hands of the wrong person.
Product: Mortgage

I am trying to Assume a mortgage which is now held by Freedom Mortgage. The loan rate is 2.875 %. In XX/XX/XXXX my application was denied by the Underwriters because I had recently become unemployed  due to employer fraud from XXXX XXXX. Freedom Mortage informed me to re-start a new Assumption request once I had new employment ... which I did after securing a new job in XX/XX/XXXX. After providing all the documents requested AGAIN ( I had already provided them for the 1st Assumption request ), my 2nd Assuption request was again Denied in XX/XX/XXXX. This time, they said I would need 2 years of 1099 employment history at the same company... but they never informed of that stipulation in advance, and were deceptive and inconsistent in answering other questions as to parameters for denial. How long would I have to work at a place as a W-2 Employee, Vs 1099 Employee. Why was I required by them to secure Flood Insurance as a precursor to possible loan assumption approval when my home is not in a flood-insurance-required zone? This cost me over {$1000.00}. 
I have a steady job, early over $ XXXX annualized, earn ultra-relaible $ XXXX in rental income from commercial property I own, have NEVER missed a mortgage payment, even when unemployed, have XXXX XXXX XXXX of dollars in stock/equities/investments, have GREAT CREDIT SCORE XXXX, and am only trying to assume the mortgage as part of trying to " do the right thing '' to take the loan fully into my responsibility and free up my ex-girlfriend from being tied to the loan, since we've broken up and are no longer together, This way, she can move forward with her life and buy a new home and/or otherwise not be tied to the loan responsibilities with Freedom Mortgage. 
Throughout the whole process, Freedom Mortgage has been deceptive in not divulging parameters for denial that clearly would have kept me from wasting time, gathering documentation, etc if I knew the outcome would be Denial of Assumption. They send correspondence saying Adverse Action reason for denial is included, then it's not included/attached. They incorrectly claimed I no longer have an account with them when I clearly do and continue to make mortgage payment. They provide conflicting information as to duration of employment needed to meet their approval criteria, or answer what duration is required if I convert from 1099 Employee to W2 employee with the same company. It seems clear to me they want to force me to get rid of my 2.875 % loan so they can loan that same money to someone else at the current 7 % ( or so ) rate. 
When I see reasons listed for my credit score lowering from what it used to be it states that it's from too many credit inquiries... ALL of these inquires are from Freedom Mortgage, and nobody else. I am incredibly frustrated with what should be an easy process and this has caused financial and emotional toll, delaying unnecessarily when I can assume the mortgage and allow my ex-girlfriend to be free of the responsibilities. If this doesn't get resolved soon, I'll have to sell the house, which is not what I want to do.
Product: Checking or savings account

I was told by a bank teller on XXXX that XXXX money orders for {$500.00} each would clear my account on XXXX. It was printed on my receipt that they would be available on XXXX. On XXXX I received an email stating that they would be placed on an extended hold until XXXX and was given no reason why. On XXXX I contacted XXXX XXXX with the money order receipt numbers and was told that that had been cashed on XXXX so the funds were available. 

Bank of Americas website states Deposit holds typically range from 2-7 business days, depending on the reason for the hold. For deposits made on weekends, funds are considered deposited on Monday ( the first business day ), so the hold will go into effect the next business day ( Tuesday ).

In some cases, the length of the hold can change based on new information we may receive or discover. If this happens, you will be notified promptly through mail and/or email. 

I was advised on XXXX to call the bank the next and speak with a supervisor to see if they could release the 10 day hold on my money orders, which they could not. I would like to get my money and close account. They deceived me when they told me one business day in person when it actually turned into 10 days which isnt even in their policy
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Im requesting to have this closed account removed from my credit report According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XX/XX/2022 by XXXX that a hard inquiry against my credit reports was made on XX/XX/2022 by XXXX XXXXXXXX XXXX. This is a case of stolen identity. I never personally called or applied for a credit card to this institution. I called XXXX XXXX XXXXXXXX that same day to alert them. Fortunately, this was caught before any accounts were actually opened. However, my credit score dropped 4 points and I was told to report this to FTC. That same day, I froze all credit reporting by XXXX, Trans Union, and XXXX. Any help reversing this negative effect on my credit score would be appreciated. 
thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for forbearance XXXX of XXXX and it was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. We sold our home on XX/XX/XXXX and received a paid in full letter from XXXX XX/XX/XXXX. When we had our credit report run on XX/XX/XXXX to purchase a new home, XXXX was reporting our mortgage as being in forbearance but current with no late payments. When a new credit report was pulled on XX/XX/XXXX, XXXX was still reporting our mortgage in forbearance BUT also as 60 days late as of XX/XX/XXXX AFTER we had already sold our home and it was paid in full. By reporting our mortgage as 60 days late it hurt our credit. We were also led to believe that if we were current on our loan going into forbearance we would be current coming out of it. We just sold our home before it was over which they said would not be a problem as long as the loan was paid in full which it was. We have contacted XXXX to find a solution and were asked to file a dispute, which we have done. But as our closing date draws near and we are trying to get an update when they are unable or unwilling to help and can only enter new notes to our file.
Product: Checking or savings account

I went to Bank of America on Tuesday, XXXX XXXX, XXXX, to make a cash deposit into a business account. I went to the teller window and gave her my deposit slip and cash and told her that I would like to make a deposit. She unwrapped the money that I had given her and proceeded to separate the bills. She said that she need to put the {$20.00} bills in the bill counter because there were too many. So the teller took my cash and went to another teller window to put it in the machine. Then she came back and told me that my cash was short {$100.00}. I told her that I was pretty sure that my count was correct and she said that she would run it through the machine again. She came back and said that it was still short. So she counted the money before me. Then I counted the money. I asked her if she dropped or lost some of the money while transferring it to the other window. She said that she had not and asked if I wanted to take the money back or change the deposit slip. I told her that I would change the deposit slip and place my initials by the correction and she deposited the cash. So I went back to trace my steps to see If I lost the money somewhere. I had not. So I called the bank and asked to speak to a mananger. The manager said that she would balance her drawer and let me know. The manager called me back and said that the drawer had balanced and she hope i wouldnt take things any further. I told her that i was pretty sure that my count was correct but ok. A few days later I called the manager back to let her know that things were not settling with me and that I would like to open an investigation. She stated that she would have to get her marketing manager involved and that she would call me back. Its has been 3 business days and I have not received any calls.
Product: Debt collection

New Account with negative remark on my credit score that I have never heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX {$390.00} XXXX {$0.00} XXXX {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 or other personal consumer reports

Experian has 24 names on my credit file that are NOT MINE!!!

I have called, mailed Affidavids andtried online to get these names removed!!! 

They have NOT ADDRESSED THIS ISSUE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputed both verbal, written and electronic disputes. 

Even going as far as submitting disputes via regular mail on XX/XX/2023 and then again XX/XX/2023 after they claimed that they were able to verify certain items in my report. 

In both written requests, I requested documents confirming that these were my account as I believe they are fraudulent. TransUnion has never been able to provide me with any and only verifies them. I am seeking documentation from the creditors as requested in the attached disputes. 

I have also asked them update my information as my name, date of birth and address all seem to be incorrect on their report and could be adding to the many inaccuracies they are reporting. This request was submitted with both my current drivers license as form of ID & social security card.