23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX Velocity Investments had a group call with multiple people they were collecting debt from. They went in round-robbin fashion openly asking everyone how much they could pay per month. Although I agreed to a $ XXXX payment arrangement for {$3600.00} I felt pressured in the situation. 
A week later the same month ( XX/XX/XXXX ) Velocity did the same thing with another group of people, this time with another account they acquired somewhere totaling {$7400.00}. This time I specified I was unable to make any arrangements in addition to the one already in place for the other account. It was agreed that I would contact them to make payment arrangements when my financial situation permitted. 
I've been paying the first account each month since XX/XX/XXXX on the first account. 
On XX/XX/XXXX, I was deposed by Velocity regarding the second account. Under oath, I explained my situation once more, mentioned the existing payment agreement, clarified my financial situation had not changed, and said no when asked about working for a named company I hadn't heard of. Velocity 's representative at the time said they would let their client know about the information given, but the situation would remain the same ( I could continue to pay the first account and would reach out when I am able to make an arrangement about the second ). 
On XX/XX/XXXX for unknown reasons Velocity filed a motion to garnish wages from a company I do not or ever had any association with. This means they also handed my information to an uninvolved 3rd party without my consent. It was also the first time I became aware any action regarding this lawsuit was taking place.

The motion of garnishment was withdrawn by Velocity in a special set in XX/XX/XXXX. The same day of the most recent court date and in the following weeks I've now been phone calls from various numbers multiple times a day, no voicemails are made. It simply feels like harassment at this point.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX Phone number - XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX Capital XXXX - XX/XX/XXXX 2024
Product: Debt collection

BALANCE {$940.00} PURSUANT TO 15 USC 1692 ITIS ILLEGAL FOR A COLLECTION AGENCY TO BUY A DEBT AND COME AFTER THE CONSUMER FOR IT I DID NOT CONSENT TO THIS OR THE HARASSMENT. I DO NOT KNOW THIS COMPANY NOR DO I HAVE A BINDING CONTRACT WITH THEM. PLEASE REMOVE FROM CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the Better Business Bureau since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Product: Checking or savings account

My bank account overdrafted from an autopay i had forgotten about over the weekend or XXXX. I called citizens and spoke with them for almost XXXX hours to find out exactly how much i had to pay and by when I'm order for my overdraft fees to be removed. Their representative told me to pay {$170.00} by XXXX XXXX and the XXXX overdraft fees that were posted to my account would be removed. A friend transferred me {$200.00} to cover it. When I checked my account the next day not only were my two fees not removed but another one was also added. I spoke with the bank two more times also for hours asking them to fix this for them to tell me that they just won't.
Product: Debt collection

I have never received a bill from the original company this is due from. I do not know where these bills are coming from and why I owe them. I have also never received a bill from BC Services. The only reason I know that I " owe '' is because it shows up on my credit report. I have contacted them to send me something so I know what it is and why I owe. I have only been told how much I owe over the phone and that it is a medical debt. BC Services has failed to assist me in the debt and just want to collect the debt that I am not even aware of owing.
Product: Debt collection

This company i have no knowledge or business with ever is trying collect a dept i have no contract with nor there affiliate
Product: Payday loan, title loan, or personal loan

I keep getting calls while at work ( Ca n't have my phone on me ) but every time I try to call they do n't answer nor listen to my voice message that provides my call back information.
Product: Credit reporting or other personal consumer reports

Please remove unauthorized/fraudulent credit inquiries from my TransUnion account. 

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I contacted Experian on XX/XX/24 about how my name is on my credit report and how my birth date is not accurate they never updated my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft pursuant to 18USC 1028A, I'm requesting Equifax, XXXX, & XXXX to remove inquiries that I deem as alleged fraud. Pursuant to 15 USC 1681c-2 which states these inquiries must be deleted within 4 business days of receipt of identity theft. These inquiries must be removed : These inquiries are attached to the FTC ID Theft Reports enclosed.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Pursuant to complaint XXXX-XXXX, XXXX XXXX XXXX is maintaining that they exercised due process in recording my account as a charge-off even though, through circumstances of their own making, they " clouded '' the title to the recreational vehicle ( aircraft ) for which they were the primary lien-holder thereby rendering it to be un-saleable with a title that could not be cleanly transferred to a new owner. Additionally, they could not even provide me with clear title effectively demonstrating that I myself possessed clear ownership and title to the vehicle. Documentation from a federally bonded, FAA-certified escrow and title company, XXXX XXXX XXXX XXXX, XXXX, are attached demonstrating XXXX XXXX XXXX 's inability to present a " clear '' title of the time of an attempted sale of the aircraft ( XXXX ) on XX/XX/2020.
Product: Mortgage

My mortgage contacted me in XX/XX/XXXX to discuss refinancing the loan, I was surprised by the call due to fact I only had the mortgage loan for 6 months. I refinanced the loan wth the 1st being due XX/XX/XXXX @ $ XXXX. I continued to make this payments timely. In XX/XX/XXXX. I received a Escrow statement dated XX/XX/XXXX, that my new payment would be {$1800.00}. I reached out to my mortgage company Escrow line and spoke with several representatives that offered no real help or solution. As a last resort I looked at on the companies website, sent an email requesting help since I am a 1st home owner. I received a call from XXXX XXXX from the corporate office, who became my contact person. I was asking the company to reimburse me for the additional money I paid and still paying towards the Escrow shortage. After speaking with XXXX for 2 months, I was advised on XX/XX/XXXX by XXXX that the company denied any wrong doing and denied to reimburse for any funds, due to the following reason. My loan was originally with XXXX XXXX and was transferred to AmeriHome Mortgage when this was done, AmeriHome sent a check for approx $ 3k, then when I refinanced in XX/XX/XXXX, I received additional funds for approximately {$1000.00}. the company states I should have sent these funds back to them and this would have taken care of the shortage, no where on the check did it state I was to send the check ( s ) back to them, plus the funds received were used to make my monthly mortgage payments due to the fact, when Amerihome Mortgage contacted to refinance, I was unemployed therefore, I did send the funds back, but it was in monthly installments. All I want at this time is for the payment to go back to $ XXXX and be reimbursed for the additional funds I have been paying since XX/XX/XXXX to present.
Product: Credit reporting or other personal consumer reports

I sent certified letter Notice of Dispute Demand for validation and proof of claim. I gave the company 30 days to provide information. They failed to provide the correct information. They have multiple account that I have requested information from and they failed to provide any information for any of them.
Product: Credit card

I have two Preferred Cash Rewards Visa Credit Card Accounts with USAA ( last-4 digits ending in XXXX, and XXXX ). Both cards were eligible for a promotion that USAA marketed to me, offering an additional 1.5 % cash back on the first {$3000.00} in transaction spent on XX/XX/XXXX. 

The terms of the promotion are online here : XXXX XXXX XXXX XXXX Because of this promotion, I specifically made several transactions on both credit cards that I otherwise would have made with another institution. Before making the transactions, I carefully read the terms and conditions that USAA provided. Their terms specifically say that bonus will be paid on purchases with a transaction date of XXXX XXXX, whether they were made online or in-person. 

I made 4 transactions on XX/XX/XXXX : Merchant : XXXX XXXX Fee Amount : {$55.00} Merchant : XXXX XXXX Accounts Amount : {$2200.00} Merchant : XXXX XXXX  Fee Amount : {$73.00} Merchant : XXXX XXXX Accounts Amount : {$3000.00} After making the four transactions, I logged onto the XXXX website on XX/XX/XXXX, and confirmed that the bank website showed that the transaction was authorized on that date. I just wanted to be extra certain that the transaction was recorded on the correct date, so that they would qualify for the promotion. They were, in fact, listed as authorized on XXXX. 

However after the transactions were fully posted to my account, the date changed from the initial authorization date ( XXXX ) to XX/XX/XXXX. I'm unclear why this happened. The USAA rewards system did not end up honoring the 1.5 % bonus offer. 

I didn't actually notice this until I read on the USAA XXXX forum other USAA customers complaining about not having received the bonus rewards that they had expected. That caused me to look into my own account. 

XXXX XXXX XXXXXXXXXXXX XXXX contacted USAA to try and get the promotional offer honored. Contacting them on the issue was frustrating. I first tried their online chat, and after spending a good 20 minutes there, they told me I had to call in. So I called in, and first got to someone in the credit card department. They could not help, so eventually passed me to the " rewards '' department. They told me that the merchant had not actually posted the transaction until XX/XX/XXXX, however I already know the transaction was authorized on XXXX because I saw the authorization for the transaction on the USAA app immediately after I made it. The representative I spoke with told me that they did not have access to see the transaction authorization date, and therefore would be unable to honor the terms of the promotion.
Product: Credit reporting or other personal consumer reports

TRANSUNION AND XXXX REFUSE TO REMOVE THE 2 LATE PAYMENTS FROM MY CREDIT REPORT. XXXX FROM XXXX XXXX  AND THE OTHER IS FROM XXXX XXXX. THE REPORTING ON MY CREDIT REPORTS ARE TOTALLY INACCURATE AND THEY REFUSE TO REMOVE THEM. XXXX REMOVED THE 2 LATE PAYMENTS AFTER THEY INVESTIGATED AND FOUND OUT THAT THE REPORTINGS WAS INACCURATE. FAIR DEPT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS and FAIR CREDIT REPORTING ACT 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE- 616 CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE 15 USC 1681n
Product: Debt collection

Hi XXXXERC ; For the last 30-60 days, I have been writing and getting on the phone with this company to resolve unknown debt on my name. I even talked to several representatives and they mentioned that they don't even have my social security number or DOB associated with this account. Therefore, I request that this be removed or provided all the details shown on the attachment emails I've sent to them. I was shocked that you guys still pre-printed all the templates of statements and send it to me. This is not a true validation of debt as described by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX XXXX : XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX  XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX : XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX : Experian : XXXX : XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report 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 blocking the erroneous information which 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, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$0.00} 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
Product: Mortgage

Equitable Mortgage is advertising for a realtor listing on XXXX. they are offering financing for the listing with No APR and I also question if this is a respa value with expecting a loan in return for opening up my data base for marketing mortgages to them. No cost to the agent ( clearly a thing of value ) in addition no monitoring of APR in advertising rates to customer for that home with a discounted fee! this does not seem to be uniform and if this is OK I would like your approval so I can indicate to other lenders this is an acceptable way to solicit mortgage via Agents? 
thank you I have copies of the XXXX postings.
Product: Credit card

IN accordance with the fair credit reporting act this creditor has violated my rights under 15 USC1681 section 602, states I have the right to privacy. 15 USC 1681 SECTION 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 a creditor may not treat a payment account on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I reach out to your office and I complained about the falsified information on my credit report that was being reported that has caused me countless amounts of pain and suffering due to the XXXX increase in the denials of credit based upon the information being reported concerning my student loans being late I contacted the student loans Representatives have confirmed constantly continuously times that my student loans has never been late however since my complaint I received a response back from TransUnion saying that they have fixed the dispute in information was verified as accurate which is totally falsified information once again
Product: Mortgage

A tax payment was taken out of escrow in XX/XX/ 2022 when it was not supposed to as this payment came from the title company after closing. The city continues to report they never received the payment. No one at New Rez can tell us if this payment was received and/or cashed. We have made multiple requests to New Rez to resolve the issue and no further information can be given to us other than they are working on it. We have contacted the city on multiple occasions and they report no payment was received and no one from New Rez has contacted them about trying to resolve the issue. It is impossible to speak to anyone in the tax department at New Rez and customer service is unable to give us any information regarding what steps are being taken to resolve the issue. We are getting concerned and really need the money back in our escrow. Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently disputed this exact issue regarding old information still being reported on my Equifax, XXXX, and XXXX credit reports numerous times and they were FINALLY removed and yesterday I received a notification about a change to my credit scores. I checked them and their was a decrease of 22 and 73 points respectively as well as information on my personal contact info that doesnt even belong to me!!! This is getting to be BEYOND RIDICULOUS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has incorrect information on my Credit Karma Credit Report, even though, their website says updated daily with XXXX and XXXX XXXX respectively. 

After checking XXXX, I noticed that Credit Karma is not providing updated information. They are listing old accounts which arent even listed on XXXX. 

Credit Karma updated my credit karma Credit Report daily, and just yesterday, they dropped it XXXX points after my complaint to credit karma about this issue. 

Credit Karma is attempting to operate as a credit bureau and credit reporting agency by creating their own scores, which differ from those listed from the source. 

Credit Karma is attempting to take control of my credit score and credit report.

Im not what companies would use credit karma now or in the future, nor do I know why credit karma is deciding to keep old accounts even though the source has removed them. 

I showed Credit Karma proof that my XXXX credit score and report does not match. They then changed what the website says and does. They said credit reporting agencies report to them monthly. 

If thats true, why are they lowering my credit score daily based on old accounts? 


Credit Karma is misusing their power and ability to provide credit reports and score through their website. 

I am seeking damages.
Product: Credit reporting or other personal consumer reports

Over the duration of the last several months after the discovery of an account referred to as ( XXXX ) and opened by SoFi Bank on or around XX/XX/XXXX, over the internet it was reported to law enforcement who conducted a very thorough investigation and determined that the account in question was fraudulently opened under Ca Penal Code 530.5 ( a ). 
In the initial investigation the XXXX XXXX Police determined that the account in question was opened over the internet using stolen information and my personal identification. Despite law enforcement using and having access to sophisticated reporting and fact finding on or around XX/XX/XXXX, I received a generic letter after opening a previous claim stating their internal department conducted and validated their claim. 
However, at no point in any of their supporting documentation did they supply evidence of their findings and simply wrote they conducted a thorough investigation which is indicative of SoFi and their well-documented demands for proper investigations.

On the contrary and prior to their rebuttal my case has remained opened. On XX/XX/XXXX, I received a supplemental after providing to the officer in charge and based on their findings a supplemental which was more thorough then the original once again determined the account in question to be fraudulently opened using stolen personal information. In addition, the officer in charge reviewed the findings of SoFi Bank and determined them to lack in factual information, lacked in ability to verify validity, and questioned basically everything about their findings. At this present time my case is still open and ongoing due to the number of cases involved but also have assisted me in the continuous review of my file for additional identity theft account ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX