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

On XXXX I received a text alert from Experian providing a one time passcode for me to log into the experian website. I did not try to log in to experian, and so someone was trying to do so and the dual factor authentication of sending a passcode to my cell was enacted. Moments later, I received a notification from XXXX XXXX, the identity theft protection service I use, saying a new alert showed that I had started a process with XXXX XXXX XXXX checking my credit. Again, I had not started a process with Experian or with XXXX. As I had frozen my credit with all 3 bureaus in the past, I was not overly worried. However, when I went to the experian website to actually use my username and password to check this suspicious activity, I soon learned that who ever hacked me was able to change my account to a different email ( ie not mine ) and seems to have been able to reverse the credit freeze I put on the account, and will be receiving emails regarding my credit!. I have been on the phone trying to get to customer service at Exerian for 2 hours, but I can not get through to a live person to explain what is going on. IN the meantime I am working with XXXX XXXX team for ideas on how to manage this, and I am currently on hold with XXXX XXXX to explain to them that my identity may be being used to open a new account with XXXX
Product: Mortgage

I am updating on filed complaint. There is no way I could figure it out how to provide update. 
I received a call back from XXXX XXXX. & as per my phone conversation with her, as she requested, I have immediately faxed her Settlement offer letter at the fax # she provided- XXXX. 
I have offer {$6000.00} of settlement to this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as my lawful and rightful consumer declaration of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this declaring represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately put together a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!

Sir/Maam, I am writing you with this formal objection of claim ( s ) as reported when reported and a suggestion for adequate movement on your part. You are erroneously reporting notcompliantly to the XXXX XXXX Equifax and damaging my credit. You a r e acting in nonobservance of the FCRA aka the Fair Credit Reporting Act. The infraction ( s ) should be subject to fines and damages. I am providing you but this one last hope for suitableness of this account. Previously, I had sent you a letter advising you that you were inappropriately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to modify appropriately my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it insinuates that my forwarded notice was disappointingly abhorred.
Product: Credit card

I am writing to formally express my dissatisfaction with the handling of a recent dispute I filed regarding a damaged product I received. 

After receiving the damaged item, I promptly contacted the merchant who I believed had sold the product to me. Despite multiple attempts to reach out to them, I did not receive any response from seller. 

Given the lack of resolution from the merchant, I escalated the issue by creating a dispute with Capital One. I followed the instructions provided and uploaded all the required documents, including proof of communication with the supposed seller. Despite providing all necessary information, my claim was refused.
Product: Debt collection

Velocity Investments , LLC is deliberating and diligently engaging in flagrantly violating federal laws. I reached out to them via my last CFPB complaint to resolve this issue swiftly. However, they have chosen to delay and be deceptive and misleading with their last response to my CFPB complaint. Velocity admitted to illegally purchasing and communicating with XXXX XXXX XXXX about this alleged debt and account account which are both individual violations of federal law. They also are stating I owe the alleged debt on this account and are one of the current furnishers of this account to my consumer reports as they have admitted to illegally purchasing it from XXXX XXXX XXXX Velocity Investments , LLC blatantly continues to break federal laws by sharing details of said alleged debt and account with XXXX XXXXXXXX XXXX who they claim is their servicer. This violates several federal laws which are all outlined in my Affidavit of Truth attached below, more egregiously my right to privacy which I own. XXXX XXXX XXXX stated to me via the CFPB that Velocity Investments , LLC furnished all this inaccurate and false account information to them in XX/XX/XXXX and also told them this information is all accurate allowing this alleged servicer to keep furnishing this inaccurate negative account to my consumer reports. They do so based on clear instructions from Velocity Investments , LLC who can and must instruct them to delete these account from my consumer reports immediately. As the federally protected consumer and natural person pursuant to Title 15 Chapter 41, I have made my demands known to Velocity Investments , LLC as is my right under federal law. Attached below is my Affidavit of Truth which Velocity Investments , LLC received and signed for on XX/XX/XXXX which outlines all my demands as the federally protected consumer. All of my outlined remedy are demands and not request. My Affidavit of Truth outlines all of Velocity 's individual willful violations of federal law along with a clear break down of the federal law to avoid any confusion. I advise whoever receives this complaint and Affidavit of Truth at Velocity Investments , LLC to forward it to their executive leadership team and legal team. This is my first official step in my private administrative process and their legal team will understand what this means. Included in my attached Affidavit already in their possession is my invoice which Velocity must pay to resolve all outlined issues ( federal law violations ). This is also a demand pursuant to federal law as is outlined in the attached document. Failure to resolve this matter swiftly only causes me more injury and will have much more of an adverse effect for Velocity as I advance in my private administrative process in the near future.
Product: Credit card

REFERENCE # XXXX. CITI. XX/XX/year> I RECEIVED A LETTER ADDRESSED TO MY FORMER NAME. 

I called the number indicated in the letter to voice my concern that someone applied for credit without my consent. They verified that there were no open credit card accounts under the name in the letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a debt listed on my credit report by [ Equifax ]. The debt is associated with a XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat I opted out of in XXXX. 

The original debt dates back to XXXX, with the first late payment reported in XXXX. Despite my efforts to address this issue, the debt has persisted on my credit report, causing significant financial harm. 

I have previously disputed this debt with all three major credit reporting agencies and successfully had it removed from [ XXXX ] and [ XXXX ]. However, Equifax continues to report the debt, even though it is over XXXX XXXX XXXX and has been closed by XXXX. 

I am requesting that Equifax immediately remove this outdated and disputed debt from my credit report. I have attached copies of relevant documentation, including correspondence with XXXX and the previous dispute resolutions with [ XXXX ] and [ XXXX ]. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

Victim of identity theft US Bank. XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX I sent Equifax, XXXX, and XXXX XXXX letters and My FTC report asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is my only name and my only address. I have also attached my FTC report related to the incorrect Information.
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX DIGI CRD/S XX/XX/2023 ; COMENITYCB/ZALES XX/XX/2023 ; XXXX XX/XX/2023 ; FARMERS XX/XX/2023 ; BANK OF MO XX/XX/2023 ; CB/BLLSOUT XX/XX/2023 ; XXXX XX/XX/2023 ; GTECONSUMR XX/XX/2023 ; CAMPUS XXXX XX/XX/2023 XXXX LAKECITYJA XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; STELLANTIS XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; FRC/TBOM XX/XX/2023 ; CB/BLLSOUT XX/XX/2023 ; XXXX XX/XX/2023 ; CCB/ACADMY XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; SYNCB/LOWES XX/XX/2023. 
According to FCRA XXXX XXXX ( 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: Mortgage

I made a mortgage payment in XXXX, which they returned, causing my mortgage to get behind. I made the payment before I left the country on an educational sabitical. Which would have me out of the country for a month. Upon returning I found out they returned my payment, which has happened several times in the past. At the time of payment my bank account had well over XXXX in it. So there was NO way my payment should have been returned!! I have filed XXXX prior complaints against this mortgage company. They have a history of returning payments and making it impossible to submit payments. I want to refinance just to get away from this mortgage company. All this causes late payments on your credit, ending in the lowering of credit scores, which then makes you ineligible to refinance. They then offer loan modifications which cause the mortgage to be extended. 
Trapping you forever. This mortgage company already has a class action lawsuit against them in Florida. I am attempting to start one here in Georgia. I really need your help as I'm sure hundreds of others do as well. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS AN UNKNOWN INQUIRY THAT YOU ARE REPORTING ON MY CREDIT REPORT WELLSFARGODEALERSVCS XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX WELLSFARGODEALERSVCS XXXX XXXX, XXXX Unknown inquiry, please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

this is reporting incorrectly my account. should be remove. XXXX XXXX XXXX does not belong to me XXXX/XXXX XXXX XXXX   Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX, XXXX Amount {$0.00} {$28000.00} XXXX XXXX XXXX Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type RevolvingBalance on XX/XX/XXXX Credit Limit {$0.00} {$20000.00} XXXX XXXX 'S XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$65000.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reviewed my auto contact with legal counsel and have found multiple instances of fraud which vitiates the most solemn contacts, documents, and even judgments according to USA vs Throckmorton, 98 US61, at page 65. All of my evidence and exhibits are attached to this complaint.
Product: Credit reporting or other personal consumer reports

I have had an ongoing issue with CREDIT ACCEPTANCE, long story short they sent me and the person that cosign for a repossession letter and then the next day they denied sending it, then they said that they sent it on accident yet the person I cosign for said that they did Repo the vehicle, and I had a tracker in the vehicle. It was tracked next to the auction yard, I found a police report, the bank refused to take the vehicle, it was released to the tow yard with the Banks permission, the tow yard got some type of a lien on the vehicle and they were able to get the title and the tow yard then turned around and sold the vehicle yet four years CREDIT ACCEPTANCE has been reporting on my credit and the person that cosign for that weve been behind on payments on this vehicle and that we owe them XXXX dollars and they say that theyre willing to settle the account for {$3200.00} yet they allowed this tow company to get the title for the vehicle and sell it and the tow company got full profit of the money. CREDIT ACCEPTANCE needs to remove this off of my CREDIT and the person I co-signed for XXXX XXXX XXXX XXXX. If CREDIT ACCEPTANCE wanted the money so bad for the vehicle, they should have demanded the money from the tow company instead of putting an accurate information on my credit report for the last couple years, if anything they should owe me money for plummeting my credit score for the last few years by an accurately reporting on my credit bureau, and I have also put in a few disputes on this account with supporting documentation, actually quite a few pieces of supporting documentation and it has remained on my credit because the bank is claiming that its verified. The credit bureau needs to be sued and this finance company needs to be sued along with they need to remove it off of my credit immediately Because again they sent me a repossession letter and then tried to switch up and say that they didnt repossess the car and when I tracked the vehicle, I made the police report because there was damage done to the vehicle and the bank refuse to want anything to do with the car and then they are allowed to tow company to get their own title on it and they allowed them to sell the vehicle so if they wanted the money so bad they should have not refuse the vehicle or they should have demanded that after the tow company sold the car that they give them money for it and CREDIT ACCEPTANCE chose not to do that. This should no longer be my problem and it should no longer be negatively affecting me.
Product: Vehicle loan or lease

I leased a car through US Auto Sales on XX/XX/XXXX. Everything was going well until the brakes went out on me in the XXXX XXXX just XXXX  days later. It was burning oil. I called to complain. They would shut off my car when I wasn't even late. Charge me late fees. And I look on my credit report and it's saying I owe XXXX dollars but I had already paid to XXXX. I voluntarily repossessed it XX/XX/XXXX. I was told by a mechanic that this car should have never been sold and it was unsafe to drive. Oil would splatter out of my exhaust. The fuel pump was rusted and had not even a month left. They sell lemons.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred since XX/XX/year> until recent. Despite having Sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. They automatically would charge themselves the amount overdrafted with out my permission or without my authorization of posting payment. Which leads me to believe they have charged me unfairly as my deposits were processed with incurred fees that I was unaware of. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a job and the only way Experian will allow account cancellation is via phone - each time I cal they say a 2 hour wait and before I am connected the line goes dead - there is no way to cancel!!!!!!
Product: Checking or savings account

1. On XXXX, I was admitted to the hospital for XXXX and respiratory distress. I was discharged XX/XX/XXXX. 
2. On XX/XX/XXXX, I was readmitted to the hospital for XXXX and XXXX XXXX as a result of the damage XXXX caused to my XXXX. I was discharged on XXXX. 
3. On XXXX, XXXX XXXX was notified of fraudulent and unauthorized transactions via phone. I was informed a representative would reach out for additional information. I requested contact via email to arrange time to speak. 
4. XX/XX/XXXX, I had not heard from a representative and followed up with BNY Mellon regarding the aforementioned fraudulent activity. 
5. XX/XX/XXXX, I made a 2nd follow up regarding the fraudulent/unauthorized transactions. I was told an agent had attempted to reach me via phone twice. BNY Mellon representative could not provide a direct number for the fraud department, so she submitted a request for the fraud department to call me again. I indicated if they could not reach me, then to send an email to arrange a time speak. 
6. XX/XX/XXXX, per the card holder agreement, I submitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. BNY Mellon received the documents XX/XX/XXXX ( see attached letter and proof of mailing ). 
7. XX/XX/XXXX, per the card holder agreement, I resubmitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. The letter provided my email as a form of contact, so we could setup a time to speak. ( see attached letter and proof of mailing ). 
8. XX/XX/XXXX, I received a letter from BNY Mellon dated XX/XX/XXXX indicating they could not reach me via phone and therefore closed my case. The letter provided the agents phone number. ( see attached letter ). 
9. XX/XX/XXXX, I called the agents number listed on the letter received 7 times and left numerous voicemails. I also called the BNY Mellon number listed on terms of agreement and requested fraud claim be reopened and for another call back. I then researched other corporate numbers for BNY Mellon and made numerous calls to regarding this fraud. See phone records attached. 
10. XX/XX/XXXX, increasingly frustrated I could not get in touch with a fraud representative, I sent a letter regarding the fraudulent/unauthorized activity and demanded an investigation. This letter was sent to the address indicated in the terms and agreement. The letter detailed my numerous attempts to reach out. ( See attached FedEx label/Receipt ) 11. XX/XX/XXXX, I also sent a copy of letter mentioned above to the return address on the letter received XX/XX/XXXX. 
12. XXXX, I was readmitted to the hospital to due to continued respiratory distress and other issues stemming from Covid-19. I have been in and out the hospital numerous times since and continue to struggle with breathing/everyday activity. 

In conclusion, I went above and beyond to speak with a representative and resolve these claims. All necessary documentation was submitted in writing numerous times with various ways to reach me. At no point was a proper investigation conducted, which is in violation of federal law.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>