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

I'm sorry, but how did Experian decide the law requiring them to provide a free credit report didn't apply to them? Tried to obtain all 3 agency reports through XXXX, no problem with the others, but Experian says " A condition exists that prevents experian from being ablke to accept your request at this time. To obtain your annual credit report, please mail your request to the address below using the annual credit report request form '' Problem is, no such form seems to exist. I even went to their website which immediately tries to get you signed up for the premium product, or if you dig and find the link about the annual free report, it dumps you back to the beginning of the XXXX website ... .another 20 minutes entering information for the same useless, circular message. I saved a screenshot showing date and time.
Product: Checking or savings account

I filed a XXXX claims for XXXX transactions on my XXXX accounts with citizens bank XXXX totaling XXXX XXXX XXXXXXXX totaling XXXXXXXX XXXX after the tenth business day of having filed the claim XXXX is listed as claim paid with a credit of XXXX XXXX in my account and the other claim closed. I sent in information with police department number and case number following just to cover my bases of liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a recent new CHASE Total Checking and Credit cards account open under my information without my consent or acknowledgment. I did not open any new account under my information. Please verify the authenticity of the account holder. Account opened under my information without my consent or acknowledgement should be void.
Product: Debt collection

I want to have a written letter stating that when I pay this debt off it will automatically be removed from all of my credit report for all 3 credit breuer
Product: Checking or savings account

The title of this misconduct is : Direct Deposit Diversion Fraud. 

In a nut shell, I gave the XXXX XXXX XXXX my direct deposit form, and the money continues to get diverted once it reaches my real account. And I continue to see my personal deposits. Below is what I recently emailed Law Enforcement : Back in XXXX, I found out I was missing out on checks being mailed to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the same time, several people were picking on my body daily. So, I called the XXXX XXXX XXXX  and told them I'm not the one cashing a penny. I'm the one going through bone and organ theft due to the fact that I'm not receiving the money. FXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX : XXXX. 
Time went on, nobody called me back and money kept getting stolen. Finally, I decided to email the XXXX XXXX XXXX my direct deposit form by XXXX XXXX XXXX  I asked them to please send " all '' that money being disbursed under my social security number, XXXX  straight to my personal checking account because I'm still missing out on every penny. Well the disbursement kicked in XXXX XXXX XXXX {$6000.00}, and that's when Direct Deposit Diversion Fraud kicked in. I've missed out on every penny since XXXX of XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please have the Bank with XXXX XXXX XXXX recall every penny since XXXX of XXXX. The checks can also get recalled, but I'm filing this complaint on the Direct Deposit Forms. I've reached to XXXX XXXX XXXX XXXX  at least three times since the first Diversion Fraud. Then have them ensure I see every penny I missed out with all future deposits. 

Thanks - XXXX XXXX XXXX XXXX : ( XXXX ) XXXX
Product: Debt collection

I had a car that I was paying on that I purchased at  XXXX  and financed through Santander Consumer USA that I could not for a couple months due to being sick and needing  XXXX  which I got fired for, lost my job and said I could n't pay on it due to this but as soon as I can ill pay the remaining balance. and continue paying. I was n't given that chance they sent a tow truck at  XXXX  to get the car and then said the only way to get the car back was pay the full amount of the vehicle. which no one can do. then the nex t 2  weeks sold the car for  XXXX  and wanted me pay back  XXXX  and I only got the loan for  XXXX  I also tried to sell back the insurance to  XXXX  but  XXXX  needed the millage from the vehicle and a document from Santander stating it was no longer in my position with the mileage so they would cancel the extended warranty. Santander  Consumer USA  does not try to help and wont release me any information only wants me to pay  XXXX  and I should n't owe this as they came took the car and sold it without question or allowing me to catch up on what I owe. and sai d one  month on credit report I owe  XXXX  and the next  XXXX  so which is it really?
Product: Consumer Loan

On XX/XX/XXXX, I made an arrangement to make two payments for my vehicle, A XXXX Toyota Tacoma. My account is up to date. On XX/XX/XXXX the Wells Fargo Collection Department called me and said that my account was behind because I had supposedly missed a payment XX/XX/XXXX. They made me pay the over due amount with interest as well. Meanwhile, I had asked two times if i could get the payment history on the loan I had recieved to pay for the truck. However, i did n't receive the payment history until 8 months later. As I went through the payment history I noticed that one of the payments that I made in XX/XX/XXXX was n't showing on the account. I called the Wells Fargo Department of Collections to fix the mistake and they asked if I had proof. I sent them the receipt of the two payments, and the copy of the checks that i had written to the department. XXXX, an employee for the collection department, said that the payment was lost and sent me to the Wells Fargo Bank to ask them what happened to this payment. They said that i need to call the Collection Department because they were not responsible for that. I then called XXXX again and she said they do n't know what happened to this payment and that they were going to investigate what happened. She called me on XX/XX/XXXX and told me that they found the money, it was in another account that I was sharing with my son. I said that I wanted a refund for my money and for it to be taken off my credit because they posted it 30 days later on XX/XX/XXXX and XX/XX/XXXX and it was false information. XXXX said that she could n't because even if they refunded the money to my account, my son 's account will be behind and it was n't possible to do so. I then asked XXXX to show me the payment history of the loan my son was supposedly behind on his account. I talked to my son about his loan, he said that he was n't behind on payments and showed me a bank statement to prove that he had payed XX/XX/XXXX. Me and my son could not prove anything until the department gave us the payment history of my sons account. The department began to start calling me asking for a payment, but I refused because I was not behind. I also asked for my money back, but because of the ongoing investigation they wanted me to continue making payments. I had told them that i was n't going to make a payment because i had already paid for the month of XX/XX/XXXX and they never refunded me anything. Afterward i reviewed my credit and i noticed that they posted five 30 day late payments on my report XX/XX/XXXX through XX/XX/XXXX. I called XXXX again and asked her to remove this from my credit record, but she said that she could n't. She advised me to called her manager, so I called her today. She was in a very bad mood we did not agree on anything. She did not want to remove the bad report from my credit, and transfered me to her manager. He said the same thing, that they were not going to remove anything from my credit because if they did they were going to put it on my sons credit report. I told them that I was going to make a complaint to their bank but they did not care.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> I am writing to formally request that the following accounts immediately cease and desist from any further communication or action on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the validity and accuracy of these accounts and any associated claims or actions being taken by the companies. As per 15 U.S.C. 1681e, under the Fair Credit Reporting Act ( FCRA ), they are required to ensure that all information reported to the credit bureaus is accurate and verifiable. I believe the information in question is incorrect and should not be reported on my credit file.

Under 15 U.S.C. 1681i, I formally request that the accounts are removed from my credit report. If you are unable to verify the accuracy of the accounts or substantiate the information, I expect the accounts to be immediately deleted from my credit report.

Furthermore, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that the accounts immediately cease and desist from contacting me or taking any further action regarding these accounts, including all forms of communication such as phone calls, letters, emails, also reporting on my credit report, and any other form of correspondence. 

Thank you for your immediate attention to this matter. 

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

I have sent this company a cease and desist This company has refused to adhere to the federal guide lines ignoring my request and my attempts to resolve this matter. The company has also been found to impose as a collection agency which it is listed the company is not listed is not legally binded and or insured to collect in the state of Florida. Please have this company cease all collection activities. This is my last attempt to complain outside of court.
Product: Checking or savings account

Optum Bank holds my health savings account, established through my previous employer XXXX XXXX in XXXX, XXXX. The account balance is about {$4600.00} ( account no. ending in XXXX ). In spite of numerous protracted, redundant requests to have access to my account, via their online platform, the Bank will not provide it. The Bank uses an outsourced customer service provider who is the only means of contact for XXXX matters, who only offer to send a debit card, mail an account statement, or email an account statement ( each time after I go through a long identity verification process ). However, the debit card and account statements are not sent, and the emailed account statement is actually only a link to the online access that I do not have. Online access requires entry of the full account statement. When I ask about the mailed card/statement, I have been told variously that the request was entered but did not process ; the request is not showing up ; or the request was made and it is not clear why the card/statement did not show up ( after least 10 business days- in any event, over the past 12 weeks, nothing has been sent per my request ). Optum Bank has sent two required mailings to me so it is not an address issue, and, customer service has confirmed the address on file multiple times. I sent a written complaint to the Bank at the only available address ( see attached ). 
Today XX/XX/XXXX I called the Banks customer service again, in an express attempt to escalate, and after being verified for 10 minutes, was put on hold to wait for a supervisor to speak to me as I requested. After 15 additional minutes on hold, I was told she was unavailable as she was busy with other things to do today, but would call me back in 24 to 48 hours. 
I reiterated that my request was to have access to my account, which requires the full account number that I do not have. I asked for an account statement to mailed to me by trackable express service or to be emailed to me but the representative would not do that and instead said I had to speak to the supervisor. 
Bottom line, I am in an infinite loop with Optum Bank, with no access to my XXXX, while Optum Bank wrongfully denies my account access, and effectively, to my funds- and charges me a {$3.00} monthly fee. As there is apparently no way to resolve this with the Bank, I am asking the CFPB to please intercede on my behalf to cause the Bank to give me access to my XXXX and my funds. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, NE, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name- XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing in collection does not belong to me as the account was closed and no balance was pending at time. Never received any notice of any outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I opened a dispute with equifax regarding a collection from XXXX XXXX  regarding a XXXX  XXXX bill of $ XXXXDispute # XXXX. 
I submitted a copy of my payment of the amount of {$17.00} ( amount owed ) that was paid on XX/XX/2019. This dispute came back as verified on XX/XX/2019 as being accurate and updated. Nothing was updated not even the correct amount. 
I submitted a second dispute ( # XXXX ) on XX/XX/2019 adding additional documents showing that nothing is owed. All payments were made to XXXX  XXXX. 
on XX/XX/2019 this dibute came back as verified and valid still showing a balance of {$18.00}. 
I also contacted XXXX directly providing documentation and credit card statement of amount paid. 
Both XXXX  and XXXX  removed this collection. 
I don't believe it was verified correctly.
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 XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to conduct a proper investigation as to a dispute between myself, XXXX XXXX, and XXXX XXXX. Experian alleges to have opened a dispute as

of XX/XX/2020, and gave notice that the dispute was complete, and closed as of XX/XX/2020. A review of their online records dated XX/XX/2020 r
eveals that Experian did not allow a consumer statement disputing the charges against XXXX and XXXX XXXX, and didn't properly investigate the dispute. Additionally Experian only allows 210 words for a dispute which is not legally sufficient in order to transmit useful information. 

The outstanding issues between myself and XXXX and XXXX XXXX are : XXXX not recognizing the one year warranty. 
XXXX not disclosing correspondence from XXXX XXXX during the first 30 days advising they would fix the laptop. 
XXXX not disclosing correspondence from XXXX XXXX within 7 months after purchase advising that the company was not able to honor its warranty. 
XXXX extended warranty program not admitting or willing to look at the correspondence referenced earlier in this communication. 

These issues need to be investigated, and if XXXX can't supply it to the credit reporting companies then their complaint should be completely removed as erroneous. The problem is that XXXX like most institutions pays a lot of money to the credit bureaus so there is an automatic bias in protecting their views. 

In summary, Experian is liable for no consumer statement, and no proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account with XXXX XXXX They have reported false late payments. I have asked Transunion, XXXX and XXXX to investigate and provide written documentation of the updated payment history. All three have failed to accurately report and remove accounts that have not been validated. 

XXXX states I was late in XXXX of 2021 with XXXX but reported I was on time with Transunion and XXXX. I was never late. 

Per o Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information.

c. permanently block the reporting of that item of information
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX  ACCOUNT # XXXX HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT OF PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is spelled wrong on listings .alias not XXXX XXXX or XXXX XXXX XXXX Many address listings not XXXX XXXX XXXX XXXX Delaware XXXX the other extra names and addresses would be fraud and or may give me a bad heading leading to lost of job and or getting a job i would like all deleted and or removed from my report
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Kohls Department Store acct # 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 an account without my written instructions. 



15 U.S. Code 1681a-Definitions ; rules of construction-Exclusions.

Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60-90 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement in
cluding the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule
1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 XXXX  XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to USCB Corporation and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, USCB Corporation has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning CFBP, This complaint is against TRANSUNION and XXXX. these two companies are not removing items that are 7 years old or older. I have already been the pain and suffering because of the long strenuous communication to get this removed. This is hurting my career as an XXXX XXXX Member of the XXXX XXXX, where I am possibly looking at some adverse actions over something that I did 7 years ago when I was married to my kids mother. I have made many mistakes, like many have done so- but i have since been trying to my best to do better for family and my career. I really hope that the CFBP can tell XXXX remove these accounts as soon as possible. that is all, thank you for your time.
Product: Debt collection

COMMONWEALTH FINANCIAL has inserted 2 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies because I never signed one. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.