23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX I deposited a small savings bond left to me by my father that was several months past maturity. I know the banks dont like giving up large amount of cash so I didnt cash them all at the same time. 
XX/XX/XXXX I deposited XXXX more bonds into my account. Not a problem at all. 
Then Approx. XX/XX/XXXX I deposited another savings bond into my Wells Fargo account. 
The next morning I checked on my account because I was going to send my son birthday money and they said that they froze my deposit account and that they were closing both my accounts. 
When I called the bank they referred me to their loss prevention/fraud dept. which they could not tell me anything. They could not give me a solid reason why. The only thing they said was that the bond had been altered. It had not been altered. It wasnt any different than the other ones I deposited. The bonds had been stored in a safe for 10 years and then after that I had them in a metal lock box in my bedroom closet for over 20 years. They were in an envelope and they were almost brand new looking. Besides smelling a bit like musty or aged paper. They hadnt even been folded or touched by human hands since my father passed away in XXXX. 
The bank informed me that after 60 days they would send me a check for my funds ( bond money ) IF no one filed a claim against my money. Well I was upset but I knew that I would get the money in 60 days and it would be fine since no one could file a claim on my bond since the bond belonged to me purchased by my father. Rightfully mine. The treasury dept cashed them. Wells Fargo even cashed XXXX of them previously. 
So after 60 days I waited patiently for a check to come in the mail for my bond money. I have it well over XXXX weeks and finally I contacted them via email ( see attachment ). XX/XX/XXXX. I got a general account update Response. 
I contacted them again with the exact same letter but sent to a different email address. I receive a response in XXXX that said we need more time to respond to your concerns. And will follow up by XX/XX/XXXX th. 
I received a response later but was informed that the response they sent me will expire and that I wont be able to access it after a certain date. I do know if I screen shot the response. But I do know the response I received was from a completely different situation involving the XXXX XXXX nevada branch and how they marked my bonds paid and then refused to deposit them. ( Thats a different situation Im not going to Pursue because I sent my bonds into the treasury and they honored them and they got cashed ). 
Anyway so the bottom line is they have not returned my savings bond money for my last bond. Additionally what they also did was report me to early warning system making it very hard to open a bank account now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/1988 Dear credit bureaus To whom it may concern : Account Name : XXXX Account Number : XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a past due balance of {$1500.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX cst went online to Transunion.co and tried to pull credit report but received error message stating " We're unable to complete your request online '' I then called a customer service agent and I was told that they would deactivate my account and I would need to register again online. I did exactly that and and I still am getting the same message. Called back and was on hold for 30 minutes and then the phone hung up on me. 
I reached out to their online chat and I still was unable to resolve my issue. 

XXXX XXXX XXXX cst called the number they list within my online acct and was put on hold and I finally spoke to another person that told me the same thing. They would deactivate my acct and for me to re register. I did it all over again and still receive the message " Unable to pull your credit report online. Their solution is to have it mailed to me but I want to be able to monitor and pull a report every 30 days. 
They have not been able to resolve my issue and I still cant access a copy of my credit report. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

For purposes of this complaint, CRA ( Credit Reporting Agency ) will define Transunion, XXXX and XXXX. 

The CRA has failed to delete from my credit report delinquencies reported by XXXX XXXX XXXX that were originally reported in XX/XX/XXXX and XX/XX/XXXX, in violation of Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622. I have disputed the item ( s ) with the CRA more than 10 times in lieu of 7 year reporting period ( s ) mandated expiration date ( s ) from being antedated on my credit report. I have been refused credit on several occasions after XX/XX/XXXX and also XX/XX/XXXX because the CRA did not adhere to US Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 and continued to anted ate the delinquency on my credit report beyond 7 years. As of present, even though the creditor has provided the CRA documents that verifies the original delinquency date is in excess of 7 years, the CRA is refusing to delete the accounts that originated in XX/XX/XXXX and XX/XX/XXXX in violation of Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 which states : Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( see attach document ) Additionally, violations of my rights imposed upon my by the CRA are also highlighted by the letter of the law stated in US Title 15 Chapter 41 Subchapter III 1681 622 ( see attach document ) Information on overdue child support obligations. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

The latest disputes I have submitted to the CRA has only resulted in them updating the appropriate accounts as closed and paid, upon creditor verification. As of XX/XX/XXXX, The CRA failed on several occasions to delete the account ( s )  upon my submitted dispute and upon subsequent verification from the creditor that the originated more than 7 years ago. the CRA failed to act accordingly in and in violation of the contort of their legal duties assigned them under Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622 and have caused me a great hardship for over several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows three hard inquiries that are not mine shown listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted all creditors and credit reporting agencies about this matter and have verified that all inquiries are fraudulent but yet the hard inquiries have not been removed from my credit report
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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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

There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failing to update my consumer report accurately and for their use of repeated stall tactics in response to my requests. 

On XX/XX/year>, I submitted a request to Experian to update my personal information and to remove outdated addresses, names, and other identifiers from my consumer report. Despite providing all necessary documentation and following their procedures, Experian has not satisfactorily addressed my requests. 

Instead of taking appropriate action, Experian has sent me several stall letters, delaying the process unnecessarily. They eventually updated my report, but rather than removing the old names and identifiers, they added a new name while retaining all the outdated information. 

This failure to update my information correctly and promptly is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy and privacy of consumer information.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove all late payment reporting from my credit report. 


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 a payment on a credit card account under an open ended consumer credit plan a late for purpose.
Product: Credit card or prepaid card

CHASE CARDS AND CHASE MORTGAGE MUST NOW SEND PROOF OF DELETION LETTERS FROM XXXX ONLY.
Product: Debt collection

Rent recovery calls me multiple times a day I spoke with them advised them I 'm sending the letter back to dispute the amount and gave them my lawyer information. They called me back XXXX he later and said they never called she check the information and realized they did..this is constant..I see the number XXXX4 times a day
Product: Debt collection

On this day I informed the agent that the debt was past the statue of limitation as the date of last charge ( payment by myself ) was in XX/XX/XXXX. I further stated that the debt has been sold to several collection agencies and that they continued to add interest to the account but that was not the date of last charge by myself. The agent told me I was more or less imagining things and that the date of last charge was in XX/XX/XXXX. I then informed her that the statue of limitations in Oregon is 7 years so it would still be statue. The women became very angry and raised her voice. I told her not to contact me anymore. She said that she would contact me because this account was not past the statue of limitations. About an hour and 40 minutes later they called back and I spoke to the same woman, who said that she was in litigation. She said that they were going to sue me. I again informed her that the account was past the statue of limitations. She said that the account was sold to 3 collection agencies and that the last time interest was added was in XX/XX/XXXX. So, again, it is still past the statue of limitations. She started yelling at me and I disconnected the call. Previously, I contacted by telephone and ( I assume the same people ) identified themselves as process servers and that they had papers to serve to me. ( This was approximately in XX/XX/XXXX. ) They would not give me a case number. I contacted the state of Oregon for a local attorney recommendation and then spoke to an attorney in XXXX. He told me that it was unlikely that they had filed papers otherwise they would have given me the case number of the court case.
Product: Credit card or prepaid card

I called Citibank for a replacement card because my dog chewed it.. They say there is an error message stating no phone number to verify, tild me to contact XXXX. XXXX  says theres no problem on their end. Neither side will communicate with the other and I'm stuck in the middle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is refusing to remove these late/negative remarks from my consumer file immediately. According to 15 USC 1605 Determination of Finance Charge, because the finance charge is the sum of all charges, so what that means is, according to the documents you sent me, the finance charge is equal to the sum of all charges, that includes alleged late payments. Basically with the finance charge, this property was paid off according to he contract. Also 15 USC 1666b, Timing of Payments, there should be notice 21 days before bill is due.
Product: Credit reporting or other personal consumer reports

I have tried to get this account removed in the past using the Fair Credit Reporting Act laws and it has been a true nightmare to deal with Chrysler Capital.

First off, I requested a form of 1099-c which is a cancelation of debt about 3-4 years ago, to which I was told by them that they can not hand that to me till 7 years after the account was charged off. I don't know if this information is true but with the way things are going, seems like I will never get said form. 

Chrysler Capital is also reporting inaccurate and invalid information on my credit report as of XX/XX/XXXX which includes the date of the last activity and the date of the last payment on my credit report across the three credit bureaus XXXX, XXXX and XXXX, thus damaging my creditworthiness. 

Furthermore, Chrysler Capital is also reporting a payment history as of XX/XX/XXXX, which is long after the account has been charged off. 

There is more inaccurate and invalid data being provided to the credit bureaus by Chrysler Capital as well, like the reporting of this account as 'open ' even though it was charged off in XXXX. 

Under the Fair Credit Reporting Act laws, Chrysler Capital has been violating so many regulations which are grounds for the removal of this account from the Credit Bureaus. 

The statute of limitations in the state of California is XXXX ( XXXX ) years ; according to The Fair Credit Reporting Act, this account should have already been removed from my credit profile. However, due to the illegal and unethical reporting from Chrysler Capital, this account remains on my credit report even after 7 years and will continue to remain because they have reported a payment history as of XX/XX/XXXX, therefore restarting the statute of limitations that applies to me through my state of residence ; California. 

Please understand my frustration as I have been trying to clean up my credit profile for my sake and the sake of my family.
Product: Credit reporting or other personal consumer reports

I am writing to raise concerns about several issues I have encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.
Product: Checking or savings account

I received notice from XXXX XXXX ( a division of Webster Bank ) that on or about XXXX, XXXX XXXX, I will only be able to invest new XXXX funds in the their XXXX  Invest program. 

I am not happy with this change. I am a longtime XXXX customer and strongly prefer to invest in my XXXX account there. XXXX does not charge annual fees. XXXX XXXX  will. The following is on their FAQs. 

The annual fees are XXXX XXXX for XXXX, XXXX XXXX for XXXX and XXXX XXXX for XXXX. The fees are assessed on a quarterly basis and deducted from the investment balance. The fee is calculated on a percentage basis on the fair market value ( FMV ) on the last day of each quarter. 

For every {$1000.00} you invest youd pay {$0.00} quarterly for XXXX, {$0.00} quarterly for XXXX and {$0.00} quarterly for XXXX. 

This is unacceptable to me.
Product: Credit reporting or other personal consumer reports

I received something in the mail that I was one of the 3 billion people whose information was hacked.
Product: Money transfer, virtual currency, or money service

Someone fraudulently withdrew {$1300.00} using a XXXX transfer from my bank account.We got a call from the bank telling us what to do and then I found out that caller was fraudulent as well.The phone number came up on my phone as from my bank, but that was fraudulent as well.Now the bank has denied my claim and refusing to refund the money to my account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding inaccurate late payment reporting on my credit report. Despite providing evidence to support my claim that the late payments reported by this account are erroneous, the issue remains unresolved. Furthermore, I wish to emphasize that the account in question is covered by Insurance, which should have ensured timely payments and prevented any negative reporting.

As previously stated, the late payments reported by the account are inaccuracies that have unjustly impacted my credit score and financial standing. It is crucial to note that the Insurance policy associated with this account is designed to cover any outstanding balance in the event of certain circumstances, including job loss, disability, or death, thereby ensuring the timely payment of obligations.
Product: Debt collection

THIS COMPANY IS A COLLECTIONS ATTORNEY AND THEY ARE WRITING ME AT AN ADDRESS I DO NOT LIVE AT AND I DO NOT APPRECIATE PEOPLE I KNOW HAVING MAIL FOR ME AT THEIR HOUSE WHEN I DO NOT RESIDE THERE. ALSO THIS COMPANY IS SENDING THEIR COLLECTION LETTERS TO ME FOR AN ACCOUNT THAT DOES NOT BELONG TO ME AND I WANT THEM TO CEIST AND RESIST FROM CONTACTING ME ANY FURTHER. I AM DISPUTING THEIR DEBT AND CONFIRMING THAT I HAVE NOT HEARD OF XXXX XXXX XXXX XXXX  AND I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXXIS COLLECTION ATTORNEY IS OBVIOUSLY SKIP TRACING ADDRESSES AND ASSUMING I LIVE THERE AND IT'S WRONG AND SHOULD NOT BE ALLOWED. HOW DARE THESE PEOPLE WRITE ME AT ADDRESSES I DO NOT OWN NOR EVER LIVED JUST SO THEY CAN TRY TO MAKE A DOLLAR COLLECTING! I AM ALSO REPORTING THESE XXXX TO THE COLLECTION AGENCY THAT HANDLES THEM AND REPORTING THEM TO THE FEDERAL TRADE COMMISSION AS WELL BECAUSE I WILL DEFINATELY PUT A STOP TO THIS XXXX AND I MEAN RIGHT NOW. I ALSO CALLED XXXX AND XXXX AND NEITHER ONE OF THESE XXXX PHONE # 'S WORK FOR THIS COLLECTIONS ATTORNEY. WHAT KIND OF ATTORNEYS ARE THESE THAT THEIR TELEPHONE NUMBERS ON THEIR LETTERHEAD DOES NOT WORK. I MADE SEVERAL ATTEMPTS TO CALL THESE XXXX  AND THE PHONE NEVER RINGS AND DOES ABSOLUTELY NOTHING TO ALLOW ME TO COMMUNICATE WITH THESE PEOPLE BUT YET THEY HAVE THESE NUMBERS ON THEIR LETTERHEAD AND THE NUMBERS DO NOT WORK AT ALL!!! I WILL NOT ATTEMPT ANY FURTHER CALLS TO THESE PEOPLE NOR WILL I COMMUNICATE ANY FURTHER OTHER THAN MY COMPLAINTS REGARDING THEM AND MY COMPLAINT DISPUTES IN REFERENCE TO THEIR BOGUS CREDITOR DEBT THAT DOES NOT BELONG TO ME!! I DO NOT LIVE AT XXXX XXXX XXXX XXXX XXXX NY XXXX AND I SUGGEST THAT THESE XXXX  DISCONTINUE WRITING ME THERE OR USING ADDRESSES OTHER THAN THE ONE ASSOCIATED WITH THE ACCOUNT DEBT THAT THEY ARE COLLECTING ON. HOW XXXX IS THIS TO WRITE AT A COMPLETELY DIFFERENT ADDRESS THAN WHAT IS ON THE ACTUAL RECORDS???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022