23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Optimum Outcomes Inc the week of XX/XX/XXXX to inquire about paying off an account from my cell. Before providing the collector with my information, I inquired about whether the account could be deleted if paid. She suggested that she would have to look at my account to determine if the original creditor allowed a deletion. Since she could not confirm to agree that it would be deleted, I did not provide her with any identifying information. I explained I was in the middle of a mortgage application process and did not want the phone call to cause them to re-age my account with the credit bureau causing negative impact to my credit score.

Through what appears to have been methods of skiptkace, she utilized my telephone number to trace my account. On XX/XX/XXXX, I received an alert from my credit monitoring servicing that the {$190.00} collection tradeline had been re-aged and dated as reported for XX/XX/XXXX. 

They updated the tradeline twice in the same day with XXXX causing negative impact to my score. 

On XX/XX/XXXX, they re-aged the tradeline for a third time, causing additional negative impact to my credit report. 

I tried to speak to supervisor several times about my account and representatives have been rude denying my request. They have hung up or disconnected the calls at my request.They are in violation of Fair Credit Reporting Act through unjustified aging of these accounts. I am afraid that someone is intentionally following through on aging all accounts. I have three separate accounts with them. The others have not yet been updated but I fear they will follow intermittently and redundantly as did the {$190.00} balance. I can pay but this needs to be deleted from my report forever due to the violation. 
Since I will be at further risk due to multiple accounts with their agency, it would only be fair to have them all deleted upon payment and immediately blocked from updates with the credit bureaus. 

I have attached the reports showing it having been re-aged and the XXXX report whereby it did not appear.
Product: Mortgage

I was working with a loan originator and processor and the process was very confusing to close on the loan. There was a lack of transparency. The loan process seemed predatory in nature. I began to have serious doubts Amerisave would be able to close on time per the purchasing agreement. I ended up deciding to cancel the loan with Amerisave and going with another lender where the process was much smoother and way more transparent. I am concerned about the loan disclosure with Amerisave stating, " This Agreement also can not be changed, modified or cancelled except by a written modification signed by one of AmeriSave 's Authorized Representatives. '' The other lender I decided to go with had an expiration date for the disclosure agreement. When I decided to go with the other lender, I emailed the loan originator at Amerisave stating my cancellation of the loan and requesting confirmation. I got no reply from the loan originator. The sales manager called me soon after the email and began to argue with me over the phone for an extended amount of time only to give me a verbal cancellation. I think Amerisave 's predatory nature against inexperienced consumers is wrong and more consumers should be warned about them.
Product: Credit reporting or other personal consumer reports

Subject : Request to Enforce Financing Transaction under HJR 192 and Relevant Legal Provisions To Whom It May Concern at XXXX XXXX, I recently received notification regarding the denial of my credit application for the financing of a XXXX XXXX XXXX. This letter serves to formally request the enforcement of the financing transaction based on the following legal grounds : 1. HJR 192 ( 1933 ) : Under this resolution, all debts and obligations are payable in legal tender of the United States. This provides individuals the right to discharge debt obligations with lawful money, thereby prohibiting the compulsion to pay in any specific form of currency. 
2. Uniform Commercial Code ( UCC ) : Specifically, UCC 1-207 and UCC 1-308 allow individuals to reserve their rights when performing under a contract without prejudice to those rights. By using my Social Security Number ( SSN ) in the credit application, the transaction involves a non-negotiable instrument, which compels XXXXXXXX XXXX to recognize and process the transaction under these terms. 
3. Code of Federal Regulations ( CFR ) 12 CFR 226.13 ( Regulation Z ) : This regulation outlines procedures for resolving disputes related to credit transactions, providing consumers with protections against erroneous credit decisions. 
4. Non-Discrimination : Basing the financing decision solely on my credit report constitutes discrimination. Under federal law, specifically the Equal Credit Opportunity Act ( ECOA ), I have the right to be evaluated on factors beyond just the credit report, especially when negative items are present. 

As such, I assert my right to have this financing transaction processed and approved. I reserve all rights and remedies available to me under the UCC and CFR. Furthermore, I demand the transaction be reconsidered in light of my rights under HJR 192 and the recognition of my SSN as part of a non-negotiable instrument.

Attached Documentation : 1. Images of the denial letters indicating the credit scores and reasons for the decision. 

Please inform me of the necessary steps to proceed with the approval of this financing transaction. 

Thank you for your prompt attention to this matter. 

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

I have contacted tarns union via letter, file 2 complain true this site, they refused to correct an error on my report file number XXXX report date XX/XX/2019 error Inquire XXXX XXXX XXXX XXXX XXXX TN XXXX requested XX/XX/2019 this inquire was never requested by me, I contacted teh company they gave me teh run around copies of recent report attach
Product: Credit reporting or other personal consumer reports

I have not applied for the following accounts, I suspect identity theft : 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 or other personal consumer reports

Dear Dispute Resolution Team, I am writing to dispute the accuracy of information regarding an account on my credit report. The account in question is foXXXX XXXX XXXX XXXX account number : XXXX. The account currently being reported with a status of " collection, '' indicating that it has been sent to collections. However, I have reason to believe that this information is inaccurate. 

Upon reviewing my records, I have confirmed that this account was never sent to collections. Instead, it was closed and transferred to another lender. There was no instance where this account entered into a collections status. 

I kindly request that Equifax provide proof or documentation supporting the claim that this account was sent to collections. As this information is inaccurate and potentially damaging to my credit score and financial reputation, it is crucial that it be rectified promptly. 

I appreciate your attention to this matter and request that you conduct a thorough investigation into the reporting of this account. Please update my credit report accordingly to reflect the accurate status of this account. 

Thank you for your prompt assistance in resolving this dispute. I look forward to receiving confirmation of the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently was scammed by a new employer XXXX XXXX that posted a remote XXXX XXXX position on XXXX. This resulted in me unknowingly depositing checks that would bounce and wiring money from my PNC Checking account before the checks bounced. 

PNC was aware that the checks were Altered or Fictitious but did not alert me ASAP. I found out after I wired money out of my account. PNC is claiming that since this is a SCAM and not FRAUD, they are now saying I owe them the negative balance of - {$9400.00} in my checking account that they closed. Before the scam started, I had {$10000.00} in my checking account and {$4000.00} in my savings account. All of that is gone. PNC made an effort to get the wired money back with no luck. 

I think that since PNC realized the checks were Altered or Fictitious and did not alert me, they should be held accountable for this scam, and that I should not have to pay the {$9400.00}.
Product: Debt collection

According to FCRA 15 USC 1692a, Communication is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Also FCRA FCRA 15 USC 1692c states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, also in this section in regards to ceasing communications, ( 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 collector 's 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. 
PRA has admitted to receiving a cease and desist order from me in a previous complaint XXXX as it pertains to this alleged debt. They are directly responsible for the reporting of this debt to the consumer reporting agencies and therefore are responsible for the information being removed from those same agencies. 
FCRA rules clearly support the fact that reporting this information to a credit reporting agency is communication of the debt, furthermore it is communication to a third party. I have not, under any circumstance, given PRA permission to report this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX store to inquire about getting a new iphone and new service. When they ran my credit, it showed I already had an account, which is not true. I've never had XXXX before. Not only was it showing an account in my name, but it's in collections. So I pulled my credit and there are several things on my report that are not mine. I reported this to the police and FTC also. Please remove these items as soon as possible. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( accnt # XXXX ), XXXX ( XXXX accnt # ). The last two accounts didn't even have a name on it just account numbers!
Product: Debt collection

They said the amount they had was accurate it actually 2x more than the court ordered told me to just pay it
Product: Credit reporting or other personal consumer reports

I have disputed with Capital One all three credit bureaus four times now regarding the repeated charge-offs reporting on my account. 
I have also found more inaccurate and a violation of the FCRA on my report. According to the FCRA these companies violate these code below.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681c : Imposes limits on how long negative information can be reported ( e.g., 7 years for charge-offs ).

15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes.

15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA.

26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

This complaint is in reference to Freedom Mortgages policy on holding checks cut for an insurance claim. I have a roof replacement claim through my insurance company. They approved the work and drafted a check however their policy is to include the mortgage company on any checks over {$7500.00}. Freedom has created a policy by which they hold the funds sent by the insurance company and will not distribute the funds until me, the customer provides them with a bunch of documents. Once those documents are received then Freedom will distribute a portion of the funds. A part of the delay is due to this department using an incorrect email to commute with me, therefore I was unaware that they wanted more documents. I only learned this through my own follow-up. No communication of contact from Freedom during this process. Final funds are not distributed until Freedom inspects that the work has been completed. My complaint is that Freedom only has a vested interest in the property and those funds are not theirs to hold. I get that Freedom is concerned that the work is done as again they have a vested interest however their process creates more delays and in fact caused more damage to the property, they have a vested interest in. How can it be legal for Freedom to hold and distribute funds that is not theirs? How can Freedom create a policy to hold funds that is not theirs? This feels unethical and even worse unlawful. Additionally, I have requested manager calls to which I have received none. Today I spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX all who just kept apologizing for their policy.
Product: Credit reporting

XXXX XXXX was notified of my filing with local police and FTC identity theft. My account was used to obtain a fraudulent payday loan, they charged off the account for {$800.00} after dozens of calls and emails and letters. The {$800.00} is fees generated by the bank, it is NOT money that the bank paid on my behalf to this fraudulent payday loan. They tell me my disputes are frivolous and refuse to investigate. FTC CASE XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/year> is an fraudulent accounting my consumer credit report opened by identify theft.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 i
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my credit report on several different occasions and the CRA 's ( XXXX, XXXX and Equifax refused to accurately investigate while sending correspondences back stating everything was accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXXXXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However, XXXX, Equifax and XXXX failed to mark notice of dispute on my credit report.
Product: Debt collection

I have received 8 calls from this number today. I received 13 calls from ( XXXX XXXX XXXX XXXX XXXX 5 calls from XXXX XXXX XXXX XXXX XXXX XXXX 6 calls from XXXX XXXX XXXX XXXX XXXX XXXX  This has been consistent every day for months now. I received a letter in the mail stating that my debt was sold to them. This is regarding a debt with XXXX XXXX XXXX that has been sold to Midland Credit Management. I have received another email from XXXX stating that they are working with Midland Credit Management to collect my debt. I have been harassed since XXXX and this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$620.00} ; XXXX XXXX XXXX ... . Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX DELAWARE XXXX .... Balance : XXXX ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXX .... Balance : {$18.00} ; XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX XXXX XXXX. Balance : {$2000.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXX XXXX XXXX XXXX. Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
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 XXXX : 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 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 this fraudulent account in my report and EQUIFAX 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, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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 this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you