23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

Inaccurate Inquiries on credit report : 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: Consumer Loan

I fell behind on auto loan able to make first payment as requested by a representative I for saw that I would have trouble making the next three months payment. He stated to me he would be able to discuss and give me other options once this payment was made. I made the payment and have had no success in discussing any options. I have since called several times for three months I get the same representative or voice mail, with no call back. The customer service reps are rude, over talk you have no knowledge of services available, start shouting matches, arguments and refuse to discuss any thing on your account available to you. I am threatened several times over a conversation that my car will be repossessed. Several attempts have been made to contact any supervisor or anyone for that matter who can handle my situation, the phone is rigged to a phone number that will not transfer to any other extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my collection debt in full. XXXX and XXXX have the right balance of {$0.00}. Only trans Union shows the old balance. I paid the debt off on XX/XX/19. I want my credit report updated as it is supposed to be.
Product: Checking or savings account

On XX/XX/2018, a mobile deposit was made into my checking account in the amount of {$1000.00}. This item did not post to the account until XX/XX/2018. 

On XX/XX/2018 my husband contacted USAA regarding our checking account. USAA claims the cutoff time for mobile deposits is XXXX Central and the deposit was not made until XXXX Central time, however I do not believe it was made that late. In addition, we make deposits via mobile deposit often later than the supposed cutoff time and have never had a delay in posting previously. It seems USAA has recently changed this practice and did not notify all of their clients of this new practice. Regardless of the cutoff time, we have never had this issue before. This new practice caused a downstream issue with our accounts at other banks. Deposited items were returned at other banks because we thought this deposit had been posted. The customer service representative refused to allow my husband to communicate with a supervisor until I said we would be filing a complaint with this office and others. The supervisor was not helpful either. I would think that a company that claims to support our veterans would be slightly more helpful and definitely more transparent with their common practices they call " cutoff '' times. 

When a mobile deposit has been completed, a notice displays that the funds are available " immediately. '' There is not a " cutoff '' mentioned in this notice nor is there a disclosure advising these funds are not posted. 

I would like some assistance with this issue and believe USAA does not have an client focused approach that is conducive to the best interest of their clients.
Product: Checking or savings account

Opened a new account with Chase a few weeks ago. My mom sent me a check that I deposited XXXX for {$3000.00}. Deposited it through QuickDeposit. First it said the money would be available XXXX. Then it said XXXX. Now it says XX/XX/12. Called Chase : they said its cause its a new account. They said they need to call the issuer of the check. They got in touch with my mom today but still wont release the funds. Called them back : they said they need to talk to the issuing bank. They did so, with a three way call with my stepdad, so that the bank could give info. The bank confirms the money left my moms account. Chase confirms they received the money. Still wont release the funds. I called them back : they said they have no way to get in touch with who printed the checks, so therefore the funds are staying on hold. They are just moving the goalposts and keep making excuses to not give me access to the funds at this point.
Product: Bank account or service

This is an new issueThe bank opened up an account with funds obtained from a previous account. The Bank was mailing statements until recently. The address listed below was used to mail statements without my consent. 
XXXX Fl XXXXThe statements have stopped being mailed. The bank has made no attempts to contact me concerning this issue. 

The bank has a policy to stop mailing statements this way when fraud occurs they are not responsible.
Product: Debt collection

I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call me but they didnt stop there.

I looked up this law 15 USC 1692 which is the FDCPA and in Section 1692 c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer location.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IN, XXXX Re : Opt-Out Request for Account Number : XXXX Dear XXXX, I am writing to exercise my right to opt-out of information sharing as stipulated under various federal privacy laws, including but not limited to 15 U.S.C. 6805, 15 U.S.C. 1681b, 16 C.F.R. 313, 16 C.F.R. 313.7, 15 U.S.C. 6802, and the Privacy Act of 1974.

Per the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of any or all authorizations I, the consumer, may have previously granted, whether written, unwritten, verbal, or non-verbal, under 15 U.S.C. 6802. This includes any permissions for sharing my personal and financial information with third parties. 
Please ensure that my personal and financial information is not shared beyond what is required for maintaining or servicing my account, and confirm in writing the acknowledgment of my opt-out preference. 
Thank you for your prompt attention to this matter and for respecting my privacy and rights as a consumer. 
Sincerely, XXXX XXXX
Product: Credit card

Purchased doll on XXXX using paypal for payment in the amount of {$1300.00}. The doll was received in terrible condition not as described. Filed return with XXXX whose customer service person told me to also file a claim with paypal. When I did that XXXX closed their claim. Claim was filed with paypal on XX/XX/year> case ID XXXX XXXX XX/XX/XXXX provided photos. XX/XX/year> shipped doll back to address provided by paypal according to paypal instructions. Tracking # XXXX with signature required. It was delivered XX/XX/XXXX, XXXX to seller. I was assured I would receive my refund by XX/XX/XXXX via site notification. I called on XX/XX/XXXX and was told by paypal customer service the refund would be done that evening. Today is XX/XX/XXXX and I received another notice via paypal site that they would get back to me on XX/XX/year>. The refund has not been made to me. I keep being told they will get back to me. The seller has the doll and I have received nothing. Paypal has all photos and information they asked me to provide.
Product: Debt collection

I received a 1099-C on XXXX with amount of {$58000.00} from a collection company, Ditech , but I dont know what its all about. 
I went to a credit company and pulled my complete credit profile to see If I have anything about it there but I couldnt find anything like that. 
I wrote a certified letter on XX/XX/XXXX with a return receipt ( received on XX/XX/XXXX signed by XXXX XXXX ) I havent received any responses from them in what it was all about. 
Since it is a 1099-C, I feel threatened by it and I dont know if I need to file it in my XXXX Tax return? 
Please let me know at your earliest convenience, I am nervous about it.
Product: Debt collection

I'm unfamiliar with this company and any supposed debt they claim I owe. They've repeatedly sent text messages to my phone, and I have several of these messages as evidence of their attempts to contact me. I do not have any outstanding debts with this company. One of the text messages displays a DRS # XXXX. I've uploaded a text message to demonstrate their actions. I want to reiterate that I do not owe any money to this company.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my XXXX attempt to dispute the items in my credit file which resulted from an alleged fraudulent activity. Again, Im sending over an Identity Theft Report # XXXX & XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent a letter regarding inaccurate and unknown things on my credit report .to this day over 30 days later i have not received a response yet, I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) .it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report .i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

Bank of America reported a debt to my credit score which the debt is already paid off. Reach out to them but they dont want to take it out of my account
Product: Mortgage

The broker we worked with, XXXX XXXX, repeatedly lied to me, the realtor XXXX XXXX, the title company XXXX and XXXX and the sellers and their realtor. She said on several occasions that paperwork was being sent or had been sent then hours, if not days later it was sent only for the first time. Not keeping in open communication when problems did arrise, like the moving of the closing date because paperwork had not been completed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX C XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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, credit repair services, or other personal consumer reports

The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Despite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and compiled ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX
Product: Debt collection

XX/XX/2021 received an email just one with threats will attach threatened me with jail and law enforcement
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern! 

Has putting out a pervious case regarding this same issue COMPLAINT ID XXXX I was told in written form which was attached to this case! 

That Experian will be removing fraudulent inquires from my report however a pond checking my updated credit report this information still remains on there which the inquiries they were suppose to remove are XXXX XXXX XXXX  XXXX So I will like to have this resolve immediately and removed from my credit report as requested Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint and you Consumer financial protection bureau didnt file my complaint because you think someone other then me filed this complaint I attached proof of your letter I received though the mail. Please once again remove this account that was fraudulently obtain in my name next step will be a law suit please submitted my inquiry for a investigation on this account thanks again.
Product: Checking or savings account

Ive been trying to open an account with Capital One for quite some time but they claim I already have an account which is false and no representative can fix this issue
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

Hello, I purchased my home at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX in XXXX. I paid off my home to World Savings Bank in XXXX and XXXX. 
After the World savings Bank Wachovia tried to foreclose our home we send them the Pay off documents and they went away. Years later. Wells Fargo bank NA recorded forged documents at the county In XXXX and stole my home on XX/XX/XXXX. Wells Fargo has no shame and they recorded forged documents with IRS indicating that I Abandon my home. I took Wells Fargo bank NA in XXXX to court and were in court under an injunction when they stole my home and shamelessly evicted me and children forcefully from my Paid off home. These criminals are not above the law and the pain and hardship that they have caused on a hard working us should not go without them being punished for their crime.Please help.
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 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 15 USC 1681 section 602 a. Stateside have the right to privacy 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a accout without my written consent.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any report containing any of the following. Items of information any other adverse items of information. Other than records of convictions of crimes which out dates the report by more than 7 years.

15 USC 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows
Product: Debt collection

I received a phone call from ( XXXX ) XXXX and was told I owe money from an old creditor that I have not heard from in over 2 years and believe to be paid off. The person I spoke to did not seem very knowledgeable and there was a lot of loud noises in the background which made me suspicious. I have also had collection calls in the past and so I know from experience the person calling usually clarifies they are from a debt collection agency ; this was also not the case, which makes me suspious. This debt has not affected my credit score, and does not show up as a collections account. This person also did not ask me to verify any of my personal information like date of birth before giving me amounts due or other info. I have tried looking them up and do find a website but also the phone numbers and address information are different than what they are telling me. I do n't know if I should pay them or not? I have seen posts related to my original credit card company, XXXX, linked to scams online in the past. 
This company also has very old information for me including my maiden name from over 6 years ago and an old address.
Product: Mortgage

In XXXX 2013, I purchased my first house. The original mortgage was through XXXX XXXX. My down payment was 10 %, and therefore, it included mortgage insurance. However, I was told that I would be able to lose the mortgage insurance after 5 years or as soon as I had 20 % equity in the house - whether that came from improvements made to the house, actual money paid on the mortgage or the value of the house increasing on its own. Since we moved in, we 've made improvements to the house ( remodeled kitchen and bathroom ) and the value has increased. We know that we have much more than the 20 % equity we were told was required to lose the mortgage insurance. However, at some point, our loan was sold to wells fargo. I 've been in and out of the bank on the phone over and over trying to figure out the steps i need to take to get the mortgage insurance removed. Every time I get a different story. Most recently, I was told that it is true that I can get rid of my mortgage insurance by having 20 % equity, but it has to be a result of structural improvements made to the home and I have to show receipts for all the money I invested to make those structural improvements. They said that remodeling we did does not count because there were not walls added, so it was not structural updates but just cosmetic updates. I am frustrated because none of this is what I was originally told when I signed my mortgage and i had no control over it being sold to Wells Fargo, so they should n't be able to change what I was told. Also, I am frustrated because Wells Fargo has given me at least XXXX different stories and it seems they 're just trying to confuse me, so I 'll give up on trying to get my mortgage insurance dropped.
Product: Debt collection

Continue to send correspondence with debt collection symbol and conspicuously threatening to report to CRA which is harassment and abuse. They have also reported alleged debt to XXXX which is defamation of character and has resulted in XXXX showing a derogatory mark when debt is no longer being collected by original creditor of XXXX XXXX as confirmed by them. The alleged debt amount being collected is XXXX dollars and this is not accurate.