23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My social security number has been stolen and is circulating on the deep web. I have reached out to US Bank and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Product: Checking or savings account

XXXX XXXX does not allow you to remove automatic payments but forces you to use autopay when you start a policy. 
I deliberate left low funds in account on scheduled date as I did not intend to continue policy and preferred to pay an NSF fee than let another premium clear the account as I had already held for their customer service on the phone over an hour and still had not reached an agent. I have always rejected overdraft protection. I instead opened a LOC account to to transfer funds from if needed.Regions in spite of my opting out of overdraft protection paid the charge sending my account in the negative. I had to move my direct deposits to other accounts costing me extra money buy money orders instead of being able to use my checking account, and now that account is not even accessible to me online to find out what other fees they have charged or see the account history. Im unable to deposit money in the account in order to transfer to the LOC to pay it off as any funds would be allocated to the insufficient balance first. THIS is causing negative marks on my credit report. 
I never gave permission for that charge to be paid. I live paycheck to pay and can not afford to lose {$180.00} to pay for something I didnt authorize them to do. 
I can not even provide you a statement showing the charges as everything for the account was digital, save my checkbook.
Product: Mortgage

Urgent! Time sensitive. 
XXXX XXXX, Florida case # XXXX Va backed home loan protected by DOJ v. Boa landmark lawsuit, and now the additional federal protection against illegal foreclosure, outlined in the XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ), Bank of America is still proceeding with the public auction of our home on XX/XX/XXXX! The VA loan admin XXXX XXXX at XXXX ext. XXXX, XXXX specifically spoke with BOA VA contact where both knew to stop the illegal sale. The BOA attorney XXXX XXXX at XXXX continues to push this sale. XXXX XXXX XXXX has history, was taken off the bench by XXXX XXXX XXXX previous for illegal property sales is somehow now the presiding Judge and refuses to allow this case to actually have a trial and is permitting the illegal auction despite federal protections. This is a XXXX veterans case backed home loan. No email for her other than XXXX.
Product: Vehicle loan or lease

Tesla is offering used cars for sale on their website and some of those cars are qualified for partial tax credit if they meet certain criteria. The main issue is that the website only asks for your registration zip code to filter your search to the nearest pick-up options, and the deceiving part is that the sales reps are saying each buyer will only qualify for used car partial tax credit within their zip code regardless of the car meeting the tax credit criteria. and the tax credit is mandated by the state or the residency of the buyer as long as he/she is domestic to the US. which is not true and deceiving, for example in the state of Delaware buyers have to go and pick their cars from NJ or MD. So, the state pick up mandate is not a MUST. but Tesla have been misleading buyers when they find a car which is little further in the distance from their zip code, which leads to limiting the buying of cars from only one state and deceive us as buyers to believe that we can only buy from where we live.
Product: Credit reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX 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 : 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$630.00}
Product: Debt collection

Warner Asset Location Services called my mother, my friend, and my sister with regards to a debt I owe them on  XXXX   XXXX ,   XXXX  .     I just received another call from my sister advising they called her again as well as called her husband and   XXXX   daughter on  XXXX   XXXX ,   XXXX  .     The second call being after I spoke with them and set up a payment arrangement. I have also not received a written notice to what the debt was nor was I sent anything regarding the payment arrangement.     I looked up the law and it states they are not allowed to disclose to another person the reason for the call and on both instances they advised my sister, they were attempting to collect a debt. They also left a message on her phone looking for myself as well as my mothers phone.
Product: Credit reporting or other personal consumer reports

Dear Debt Collector, I recently received a debt collector notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 1. The name and address of the original creditor and current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Please state your permissible purpose for accessing my credit information. I dispute your right to do so. I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matte
r.
Product: Mortgage

We use HarborOne for a mortgage, not because we signed the mortgage with them, but because they bought it from another mortgage lender. We paid our mortgage electronically on XX/XX/21 on their website, however the payment was posted to our bank account twice, once on XX/XX/21 and the same amount on XX/XX/21. We spoke with the mortgage company as soon as it was noticed and were told that we would get a call back in this regard, however no one called us back. On calling the company again, my husband was angry about not hearing back when he was told to expect the call, but the person we spoke to at that time had no empathy for us and gave my husband a hard time for his anger and then hung up on us. So much for customer service! We had been in contact with our bank as well, who informed us that there was nothing they could do on their end since the extra payment had already gone out. We did not authorize the second payment, and our statement has the second payment with the same amounts going toward interest, etc. If we had entered the extra payment, these numbers should have been different, since we had already paid toward interest. It is obvious to us that HarborOne was at fault for this issue, however even when we got through to a manager we were told in no uncertain terms that we had entered 2 payments, that it could not possibly be a mistake on their end. We were assured we would get the money back eventually, but that after both payments cleared their bank we would be sent a check. Meanwhile any other outstanding debits were going to bounce and incur fees. I understand that mistakes are made at times, however as we are certain that the mistake was on their end, it is very disappointing that the mortgage company continues to insist that the mistake was on our end, and that they will send us a check eventually.
Product: Credit reporting

I have a Public Record listed on my credit report that is inaccurate and incomplete such as a Bankruptcy that Equifax is reporting. The federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my report belongs to me and is accurate and complete. I have requested from Equifax numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE this bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from Federal Bankruptcy Courts stating that they DO NOT report information to the credit reporting agencies, but yet Equifax is saying they have verified it with Federal Bankruptcy Courts, and I know they do n't because the information they are reporting is inaccurate and incomplete.
Product: Credit reporting or other personal consumer reports

I need this account deleted in my Equifax Credit bureau XXXX XXXXXXXX Balance Owed : {$330.00}
Product: Debt collection

I recently received a copy of my credit report and I noticed an account was placed with collections in my name that I have no knowledge of this debt. In XX/XX/XXXX I sent a certified letter to the collections agency asking for debt validation and I never received a response back. I again sent another letter in the beginning of XX/XX/XXXX and made phone calls with no success. This debt is not mine and Ive tried every option I could think of to fix this debt
Product: Debt collection

In XX/XX/XXXX, I applied to be a XXXX student at the XXXX XXXX XXXX XXXX, I was accepted, I paid the application fee. I wanted to take 2 classes, however, when I attempted to register, the classes were full and I was placed on a waiting list. I was not notified further if I was enrolled in the class. In XX/XX/XXXX I found that I was charged {$1700.00}. for classes that I did not take because I was on the waiting list. I spoke with the XXXX XXXX  XXXXXXXX XXXX about this and they told me to file an exemption. I filed the exemption and was told by the XXXX  XXXX XXXX XXXX that it was too late for me to file as the time limit is only 6 months. They subsequently sold the 'debt ' to Conserve, a debt collection agency. I have disputed this debt a few times to no avail. I was never notified that I was enrolled in the class and off of the wait list so I was unaware that I was in the class.
Product: Payday loan, title loan, or personal loan

I am writing you out of desperation. Almost the same desperation that put me in the position to cause my current issue. A little over 3 months ago.I got a title loan from a company called XXXX XXXX. A check cashing place that advertises to do other financial services. But the actual loan they were advertising in their business was with another company called Wilshire Consumer Credit/Westlake FinanciaXXXX , they are a financial institution out of California. I got the title loan through loan center which then directs you to these companies. They had me fill out a form from the XXXX to add them as a lein holder on the florida title for my XXXX, not knowing who you actually doing business with. I got a loan of {$10000.00} in XX/XX/XXXX. The intrest was stated to be at yearly 64.4 % Yes 64.4 %. I had an issue as we all did during XXXX and XXXX with work being slow. I thought id be able to pay in a few months but that didn't happen. I have paid them nothing and because something isnt right about this company. I was advised that there is nothing that can be done since the bank that actually wrote the loan, XXXX XXXX XXXX XXXX Utah is well in Utah! So my major questions! Why is a business who IS in Florida, advertising for a company based out of California, and using a bank in Utah, allowed to sell this financial instrument without oversight and charging well over the allowed amount in this state, using Florida 's own title documents, and not be subject to Florida laws! All paperwork was signed in the office at XXXX XXXX in XXXX XXXX, Florida. Now when i ask for the current payoff as of today, my balance says I owe {$13000.00} but Wilshire credit says the payoff is adjustable with these special payoff letters. I am not a genius but something is screwy with this situation! Can someone please HELP! Thanks in advance. I have contacted them by email and calls and refuse to contact me back about this, they have 3rd parties call on Wilshires behalf to collect a debt. The original creditors do not call, which is XXXX XXXXXXXX XXXX XXXX XXXX. They have numerous 3rd parties call on deceiving number which none of them i did business with. They are breaking so many laws I cant even keep count. Id like someone look into this and please inform all so they never do business with any one of these companies or better yet, put these companies out of business and shut them down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act. Inquiries 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX/XXXX 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

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 : It alsos 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 items of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I've submitted several requests for investigation on inaccurate accounts on XX/XX/year> and XX/XX/year>, but the company has not started the investigations. Instead, they have stated that it appears as though my letter was sent by a third party ; however, there is no third-party company submitting my dispute letter. I've also called them on 5 different occasions between XX/XX/year> and XX/XX/year> to which they verified my account, by when I send my exact dispute letter, they send me the same generic letter. This is costing me a financial burden and is preventing me from obtaining a mortgage with my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX  Results Report Number : XXXX Date Generated : XX/XX/XXXX ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details. 
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Product: Credit reporting

the account # XXXX has been reported for more that 7 years since the first default, as per the fair credit report this must be removed after 7 years. the other credit company have removed it.
Product: Prepaid card

I contacted Bank of America several times about a fraudulent bank transfer. The first time they marked my claim as user error, but I called about a fraudulent transaction. They should have been able to suspend the transaction as it was before business hours on a Monday morning. After they sent the first letter denying my claim stating I input the information wrong I had to call back because the claim should have been filed as Fraud. Ive had to go back and forth with them several times and I have repeatedly requested back up documentation showing that the money was transferred to my account, which they have yet to provide. They are not completing any type of real investigation and none of the supervisors have access to phones for me to discuss this with. I find that incredibly hard to believe that a manager/supervisor works with no communication to the team.