23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The Fair Credit Reporting Act and the Bankruptcy Laws state that bankruptcies ca n't remain on a credit report for longer than 7 or 10 years, whichever is the case. By the language of the Laws, it does n't state the bankruptcies Must Or Has To stay on a credit report for a certain period of time. Personally, I believe the credit bureaus keep bankruptcies on credit reports for as long as the law allows them. In my opinion, credit bureaus do this because they are in this together with financial institutions. The lower the credit score, the higher the interest rates banks can charge. Again, the law does n't say that bankruptcies Must remain on credit reports for 7 or 10 years. I 'm requesting that my XX/XX/XXXX, Chapter XXXX, be removed from my credit report. Also, I 'm requesting, that my XX/XX/XXXX Chapter XXXX bankruptcy be removed from my credit report. The Chapter 13 is over 9 years old and the Chapter XXXX is over XXXX years old. Both bankruptcies were the results of a terrible divorce that left me in heavy debt. By law, Equifax can and should remove these items. I 've suffered enough in my opinion. If Equifax chooses not to remove these items immediately, I 'm requesting in writing for the reason. Section 605 ( 1 ) Cases under title 11 ( United States Code ) or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. In other words, the credit bureaus ca n't have negative items on credit reports for longer than 10 years. Sadly, it 's in the hands of Equifax on when these bankruptcies will be removed from my credit report. It just ca n't be longer than 10 years.
Product: Credit reporting or other personal consumer reports

This item XXXX is inaccurate and closed. Since then, the account has repeatedly been updated as late every month. This is an updated in the payment history. Please investigate this matter and delete or correct the payment history as soon as possible. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. Again, delete or update the payment history as good standing. 

XXXX Account no. : XXXX
Product: Debt collection

Someone opened a XXXX account in my name that I did not autherize, the credit company 's were suppose to verify any new accounts with me as, I have been a victim of Identity theft. I have sent letter to XXXX no response. The person that stole my Identity has been reported to the police, I also reported them to the IC3 per my police department request. Ii can not file a report with the FTC due to Goverment shut down, But I did with my local police department. This account should be blocked, and removed. It should have never been opened without my consent.
Product: Vehicle loan or lease

We purchased a brand new XXXX XXXX XXXX XXXX  on XX/XX/XXXX. The loan agreement was for 240 months ending on XX/XX/XXXX. We had noticed that what we owed wasn't going to be paid off by the completion date. Throughout the life of the loan we deferred 3 payments that we knew of to the end of the loan. I do not have the years or dates this occurred but we knew we would paying longer that 240 months. In XXXX we received a statement with a payment amount of {$15000.00}. We paid the normal payment of {$620.00} and attempted to find out why we owed so much when we had fulfilled the loan payments. In XXXX of XXXX we received a delinquent notice for an amount of {$15000.00} requiring payment within 10 days or we would be turned into collections. On XX/XX/XXXX we called and made a payment of {$15000.00}. A few days later I called requesting information why we owed so much extra money. They told me that we deferred 3 payments in the life of the loan and the extra was for the interest for those deferred payments. I requested an amortization schedule for the life of the load and the dates of the deferred payments and the interest rates charged. They have never sent me anything and if you call they put you on hold and never pick up.
Product: Debt collection

Received a voicemail message on XX/XX/XXXX from XXXX XXXX from a county process server division. Was told to call XXXX and that I have been notified. I called back on XX/XX/XXXX and she said this was a old debt with orchard bank. So I asked if they could send a digital copy of this and she said no, that they had sent me a letter back in XX/XX/2023. I never received any letter in XXXX about this matter. Not even sure who I was talking to on the phone. Never stated what the Firm name she worked for. Never told me I could dispute this debt or if it was a time-barred debt. Never gave me name of collector or even a address to where I could dispute.
Product: Credit card or prepaid card

XX/XX/XXXX my card ending in XXXX was stolen. I reported it stolen on XX/XX/XXXX and the card was closed. A new card was issued and my privacy preferences were set to not allow merchants to be given the new card number and no transactions on the card ending in XXXX were to be transferred to the new card. This should never have been done as it violated my privacy preferences elected and the charge was made on a card which was reported stolen and closed. 
Despite these precautions being taken on XX/XX/XXXX XXXX XXXX XXXX XXXX processed a charge for {$1700.00} on card XXXX which had been reported stolen. The card information was manually entered according to CitiBank. Upon notifying Citi Fraud Operations of this unauthorized transaction, Fraud stated it was a billing dispute and not a fraudulent transaction because I had previously done business with the merchant. This seemed extremely wrong, however they transferred me to billing disputes. Billing Disputes opened a dispute case and issued a temporary credit. 
on XX/XX/XXXX Citi reversed the temporary credit stating it needed to go to billing disputes and forwarded the case to security operations. Upon speaking with security operations on XX/XX/XXXX they stated the case was a billing dispute and transferred me back to billing disputes. Billing Disputes transferred me back to Security Operations. This went on for close to 2 hours. Finally I requested to speak to a manager, not a supervisor. This request was denied and I was told in order to have this and the any disputes looked at I would need to write in to the office of the president, which I had already written into. 

Case XXXX Case # XXXX was previously filed after my personal financial information was compromised by a local hotel and reservations under my rewards account were made without my knowledge or approval. Subsequently charges were made on XX/XX/XXXX and XX/XX/XXXX for hotels and XXXX were reported fraudulent as well. Citi stated the charges were valid because I had done business with the merchants before. This was Citi 's decision despite being very aware I was not even in XXXX, TX ( the city where the charges took place ) as I was already traveling for the holidays and having issues paying for my hotels in other cities as a result of the fraud charges and card being closed. My new card was even sent to my father 's home in XXXX XXXX, TX. 

I have written in, supplied complaints filed with the justice department, and Texas attorney general, as well as replied to all letters from Citi well within the time allotted with all the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$280.00}.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information related to the XXXX XXXX XXXX XXXX account on my credit report. The credit reporting agency conducted an investigation but did not provide sufficient documentation to verify the accuracy of the account. They failed to meet the standards outlined in Section 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation and proper verification of disputed information. Simply stating that the account was verified without providing proof or adequately addressing the dispute is a violation of the FCRA. 

Cases like XXXX XXXX Trans Union XXXX ( XXXX ) and XXXX XXXX Trans Union ( XXXX ) highlight the credit reporting agency 's obligation to go beyond the original source and ensure that the information is accurate when faced with a dispute. In these cases, the courts ruled that credit reporting agencies must conduct a thorough investigation, and failure to do so can result in liability for noncompliance.
Product: Money transfer, virtual currency, or money service

THIS IS UNRELATED TO PREVIOUS COMPLAINTS : Robinhood has locked me out of my account. In order to contact support via chat or phone, I need to be able to log in. I have emailed support to no avail. I do not have access to my account, I can not request support from Robinhood without access, and they have made no attempt to contact me to regain access. They sent a generic email saying to look out for a request in the app to upload documents. I replied and said I have been locked out of my account so how would I be able to do this. They responded telling me my case has been closed. But I still do not have access to my account and do not have any responses on how to regain access. How can my case be closed and no one contact me about regaining access to my account yet I do not have access to my account or my money. They are telling me the opposite information they are telling CFPB. And they are not responding to my multiple attempts to get information. They also only allow you to access the chat or the phone number if you can log in ( which I can not ). The customer support number is a voicemail telling you to login and request a call back. But if you can't login you can't request a call back. Chat is only accessible if you can login too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax yesterday when I noticed a account hit my credit report that looks to be open since XXXX but shows up yesterday with 8 missed payments, for a business account, I have never heard of the company. I filed bankruptcy in XXXX why would I not include the account if it was mines along with the other accounts? What business do I have? This company doesnt even reflect a complete entity business name on the report, address or phone number. Im in the middle of closing on a property and this will make me lose my approval. I have never paid any accounts late even though I filed bankruptcy. This is an error I promise it is. Please delete this immediately. 
The live person said he was transferring me to the dispute Dept and sent me to the ivr that said it couldnt verify my identity. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name HYUNDAI CAPITAL AMERICA Account number XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B
Product: Money transfer, virtual currency, or money service

this is with Cash App they have fraud me with over XXXX dollars with my bank account I have Proof also on some app someone stollen my card and used it to buy bitcoins from the XXXX XXXX dollars Cash APP I have told them over and over both this situation that has caused me to get numerous of debit cards at my bank now I can't get a debit card anymore because every time I have seen my grandson money who is in college my card get hack by Cash APP, I have tried several times to talk with those people at Cash App but it's always a run around my card is with me no one knows my information but the police stated to me XXXX if your card was in your presence then there isn't much we can do it's ..a lot of that going around. you are the 10 people here this week about the same thing. 


XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, PayPal team, I received an email notification on XX/XX/XXXX, I can withdraw cash, but I can't linked with the bank and withdraw cash, please help me, thank you
Product: Debt collection

Account with CITIBANK XXXX was referred to XXXX XXXX XXXX XXXX XXXX in 2016. Please check with this company.Thank You.
Product: Debt collection

I'm a US Veteran with a Service Connected Disability and a VICTIM of Fraud Since XXXX! This was Reported on XXXX But Predates to XXXX. There has been Several ONGOING Legal Issues which have NOT Resolved since XXXX Including 100 % Loss of all Financial Assets. 
Many XXXX Related Including Health Care Issues from Hospitalization. 
XX/XX/XXXX Account Balance {$130.00} By Unknown XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX And XX/XX/XXXX Account Balance {$130.00} Credtor Name ( XXXX XXXX XXXX ) THESE ARE NOT MY ACCOUNTS
Product: Checking or savings account

I canceled a subscription for a product that I did not want. They sent it anyway, I returned the product immediately via usps with required signature upon delivery. They did sign and accept the product. 

They still took the money from my checking account. I went to my bank and showed them the proof of delivery and acceptance of their product. The bank refuses to get my money back from this corporate company. The bank is siding with this greedy company and not defending my rights as steady customer who is in his right with out standing proof. 
They are both crooks for steeling my money outright!!
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX. I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of 2017 XXXX XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. 

XXXX. I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. Pursuant to 15 USC 1635 the creditor was required to disclosed to me in my consumer credit transaction that I had the right to rescind the transaction. I was never provided the forms needed to rescind this consumer credit transaction nor did Carmax Auto Finance tell me my right to rescission pursuant to XXXX XXXX XXXX. That is in fact a violation because Carmax Auto Finance withheld this information
Product: Debt collection

Have attempted several times to request validation of debt from this company, but the company has yet to provide it. The company has re-aged this account, which is serious violation of the FCRA, and even after disputing with the credit agency, refuses to fix the issue, or provide me with validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written multiple letters requesting validation of debts, removal of closed accounts and to stop reporting on accounts that are still in disputes. the response is always the debt has been verified without proof per the FCRA, closed accounts are still on my credit report and accounts that are still in dispute are still being reported on.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I tried logging into my account. Because I didn't know my password, I tried resetting it. I found first that the portal did not recognize either of my phone numbers. Then, after trying again, I found that it sent a code to a phone number on the account and I never received it. I then tried using the " Forgot Username '' option to see if I had that correct. It then sent an email to get that process started and it showed part of an email that was not mine. 

So, I immediately called Experian at their regular phone number XXXX. This phone number leads to an automated response system that is not set up to handle identify theft that occurred with an Experian account. I called it several timesm to see if I could get to a real person who understands the problem. My first complaint is that it would not allow me to talk to a person! Experian gives no other phone number on their website. After doing some online searches, I found a number that might give me some help. It turns out that was an XXXX number. But, I was able to talk to a real person at XXXX, who gave me a phone number to try at Experian. 

That phone number was XXXX. I was able to talk to a real person, but it turns out that phone number is for XXXX XXXXXXXX. That person then gave me the phone number for the Experian XXXX XXXX, which was XXXX. With them I was able to create a case and received an escalation ticket/case number. I'm in the process of arranging to send them multiple sensitive identify documents so that they can close my account. 

I opened this complaint primarily because Experian should make it much easier and transparent on who to contact at Experian when an Experian account has been hacked. I should not have to search the web for a way to contact them. I am still nervous about sending them all of this information, but it seems I have no choice. 

I will update this complaint, if possible, if I have any further problems with this process regarding my Experian account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I paid off {$960.00} on my credit card balance with Wells Fargo. 
On XX/XX/year>XXXX  Wells Fargo flagged my account as 30 Days Past Due on my credit report with a {$960.00} balance due. However, this is inaccurate as I do not owe a balance. Therefore, I am requesting that this inaccurate report be removed from my credit profile immediately.
Product: Debt collection

I was being garnished from the company and now the collation is done there saying they didnt receive anything
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of multiple inaccurate revolving accounts that are currently being reported on my credit file by Experian, Equifax, and XXXX. These accounts contain incorrect information, including erroneous balances, payment history discrepancies, and accounts that I do not recognize or no longer have financial responsibility for. Despite my previous attempts to dispute these inaccuracies directly with the credit bureaus, they remain on my report, negatively impacting my credit profile. 

1. Upon reviewing my credit report, I discovered that several revolving accounts were being inaccurately reported.

2. These accounts contain inconsistent or unverifiable data, including incorrect late payments, balances, and statuses.

3. Some accounts listed as open or delinquent should not be associated with me, as I have no active obligation to them.

4. I submitted disputes to the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), yet the inaccuracies persist without proper investigation or validation from the furnishers.

5. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting inaccurate information, yet these accounts remain on my file despite my request for validation. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit XXXX  ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. I am a victim of a data breach and subsequent identity theft, which has led to unauthorized accounts and inquiries being opened in my name without my consent.

Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that you block and delete all of the following accounts and inquiries from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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