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

XXXX My spend account through Credit Karma was frozen with no apparent reason or notice. I didn't know it was frozen and I attempted to make a purchase at XXXX in XXXX Indiana for the amount of XXXX. It was declined. I called Credit Karma and gave my information, thinking it was quickly be resolved. I could not understand the associate I spoke with and she had difficulty understanding me. She said they could not unfreeze my account because I had " gave her the wrong information " She apparently then sent my account to the fraud department. 
I called again and provided name, email, phone number, last four of social security number and recent transaction amounts. She then told me that she couldn't provide any information to me but that they were working on it and refused to tell me anymore information about when I can access my money. I have been told to wait for an email with " the next steps. '' It has been XXXX hours since they froze my account and I have yet to receive an email or any type of information, let alone access to our money. 

In the meantime, we are stranded in Indiana on our last night at our XXXX and Credit Karma has taken every XXXX I have hostage. Please god help me get access to my account, I did nothing wrong here I just tried to buy bras to wear to my son 's campus tour at the university here.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Un

authorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent violates the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates. Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices. Misrepresentation by Debt Collectors :
Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices.

Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
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 15 USC 1681. 

XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 

1

5 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 an 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: Debt collection

I had XXXX XXXX and when I moved away to texas on XX/XX/2020. I called and spoke to a rep.. to disconnect. Then in XXXX of 2020 I was told they didnt recieve my request. I told them again to disconnect. Then an old neighbor said my electric was still on so again I called them in XX/XX/2020 and the rep assured me that if the power was still on it was not under my account. She said more likely the home owner. Then now I dispute after not having any luck with any of XXXX XXXX customer service reps. And they continue to not even look into it. They made an error and now I'm being held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a correction in my personal information for the 3rd time. It is terribly frustrating to continue asking again and again that the same information be corrected. In Accordance With the Fair Credit Reporting Act the information listed below is incorrect and is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have no knowledge of these inquiries and I'm asking again for you to delete these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX  XXXX, AL XXXX. 15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 without my written instructions. 15 U.S.C. 1681c-2 ( A ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of these items of information. Any other adverse item of information, other than records of convictions of crimes which dates the report by more than seven years.15 U.S.C . 1681s2 ( 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. Please delete these inaccuracies at once.
Product: Debt collection

put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a XXXX.
Product: Credit card

I am being charged monthly for interest and there are no eligible purchases that warrant the interest charges. The only eligible interest charge was paid and reversed. I have made many calls and have been told different things by different representatives. Last month, I was told if I pay over {$70.00} towards my balance ( from a non-interest bearing balance transfer ) that I would clear any charges in the past that might be charging interest. I paid {$100.00} and I am still receiving the interest charges.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX account and Experian failed to do the due diligence in properly investigating this account. 

XXXX XXXX  XXXX is holding closed accounts that have been settled and closed due to being paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a balance of {$580.00} I have never done business with this company they probably bought the so-called debt off of XXXX XXXX XXXX  and which I just found out that is illegal companies do not have the right to sell your personal debt to dedic agencies after XXXX XXXX they can not collect on it this is about this is about XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1- My name, current address, current employer, are inaccurate and inconsistent on my credit report. 
2- XXXX XXXX XXXX account is showing inaccurate information ( late payment, Balance, date open. More importantly, that company and the credit bureaus failed to obtain my consent to share my information. 
3- As shown on the document attached, only one phone number belongs to me, 4- The XXXX XXXX XXXX  added a collection to my credit report without any prior communication with me, failed to validate the debt and to provide any documentation substantiating the same. 
5- The Bankruptcy on my account is not mine. It shows different account number and date for each bureaus. Both Bureaus failed to provide me with the source of their information and to verify the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

See new attachments. Two XXXX XXXX credit cards ending in XXXX & XXXX were stolen at same time, used, and then fraudulent payments were made to continue using and exceeding the credit limit. See attached Sheriffs report. The cards were not being used and stolen out of my office and it was understandably that it took a while before I was aware. XXXX XXXX is not prepared to handle multiple successive fraudulent payments like a bank putting a hold on deposits. XXXX XXXX closed my accounts on same day, then charged off at same time, and then did a fraud investigation months later. On XX/XX/XXXX, XXXX XXXX was pleased to inform me that the dispute for card ending in XXXX, was found in my favor and XXXX XXXX credited {$3100.00}. On XX/XX/XXXX XXXX on card ending in XXXX, XXXX XXXX found no signs of fraud. On XX/XX/XXXX, XXXX XXXX agreed there was incorrect information on credit report for the same card and they asked the credit bureaus to remove the account from my credit report. 4 days later on XX/XX/XXXX, XXXX XXXX said they found no signs of fraud on the same card ending in XXXX.???????? This is ridiculous! Both cards were listed on sheriffs report and canceled at same time by XXXX XXXX. XXXX  XXXX is very unorganized and holding consumers responsible before they hold themselves responsible. I thought I was bad with 32 '' flood waters, XXXX, and theft, forgery, fraud, but XXXX XXXX is worse. Both cards were stolen at same time and both cards need to be removed from my credit report. I am attaching AGAIN the letters referenced above plus the XXXX Sheriffs report, the fraud affidavit, information on XXXX XXXX XXXX who was listed on Sheriffs report. AT THE LEAST, investigations should have been performed much earlier allowing me to keep cards instead of having a lump sum due that I can not afford. I called today because after almost 4 years I was very frustrated. I wanted to know if the was a manageable amount that I could afford and pay. It was an amount that I could not afford living on XXXX XXXX. I was informed that the settlement amount is automatically generated by a computer that hasnt any guilt of wrongdoing or any feelings or emotions. How sad. I am XXXX and had XXXX treatments from XXXX XXXX. I had 32 of water during Hurricane Harvey a month after filing the sheriffs report and I am still not settled. I should still have the cards with 700s credit and faithfully making payments.
Product: Debt collection

This complaint against Equifax Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding false information on my credit report. 

Equifax has reported false information without providing the " dunning letter '' as required by law. Pursuant to 1692 ( g ) of the Fair Debt Collection Practices Act, all credit agencies are mandated to send out a " dunning letter '' before reporting debt. Equifax 's failure to adhere to this requirement is a violation of the FCRA. 

Furthermore, Equifax is in violation of the Fair Credit Reporting Act and the requisite XXXX XXXX reporting standards created by the XXXX XXXX XXXX XXXX ( XXXX ). These violations have resulted in inaccurate reporting, which has harmed my credit and caused significant stress and financial hardship. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take action against Equifax for their violations of the FCRA. 

Thank you for your attention to this matter. 

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

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} today is XX/XX/XXXX XXXX  XXXX Credit card told me they reported to experian to get the balance correctly now to {$370.00}. It is still showing {$1300.00}. I spoke to XXXX XXXX and he says he will reach out to them. I believe they are deliberatly not doing it to prove a point. 
the Point is that we live in 2023 and this information should be accurate and not wait 30-60 days. I will not apply for credit until its updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

50 States business permits scams and IDs scams frauding my documents Frauding scams using XXXX XXXX XXXX of XXXX XXXX Indiana of my documents of birth of XX/XX/XXXX Frauding scams using my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams frauding my brother documents of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of XXXX XXXX of XXXX  XXXX Indiana XXXX county Indiana of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the in accurate information listed on my credit report. In accordance with 15 USC 681b and 15 USC 681c. I did not authorize the reporting or release of my personal information to the companies listed below : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$830.00} Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$1900.00} Account Name XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Current Balance : {$380.00} HARD INQUIRES : XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquires on my credit report that I did not initiate, which constitutes as a case of identity theft. Pursuant to 18 USC 8 I do not owe any debt to these entities, and I demand the immediate deletion of these items and inquires in question to correct my credit report. Please address this matter promptly and confirm the removal of disputed entries
Product: Credit reporting or other personal consumer reports

I requested Equifax to verify and remove hard inquirys on my credit report, and some old negative payments reporting. Equifax is refusing to remove items even though they received updated positive payment reporting from companies inquisition. Also Equifax requested me to fill out this FTC CFPB paperwork to get inquiries remove instead of them investigating the inquiries. I did same with XXXX and they got inquiries removed in 48hours after investigation.
Product: Debt collection

Since XX/XX/2023, Westlake financial has been calling several times a day and more than 7 times within one week. They repossessed my car and provided misleading and inaccurate information about the process. My car was repossessed when my payment was 54 days last due ; however, I was informed during a prior call that it would not occur until 60 days past due. When Ive tried to communicate with a representative, I was told I was lying. They cut me off, spoke over me, and addressed me in a belittling manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XX/XX/year> hard inquiry is on my credit report which I did not apply
Product: Credit reporting

Attempted to pull my free annual credit report from Big XXXX Credit Bureau  on XX/XX/2015
I was able to promptly receiving my copies from XXXX and XXXX but i could not obtain a copy with Equifax. After i  made a phone call to seek help i was told they could not  help me and they  had to Charge me $ XXXX to obtain a copy.
Product: Credit reporting

There is a hard inquiry on my account that is not mine. XXXX XXXX XXXX has acknowledged that the account was not mine and they removed the account from my credit report, however Transunion will not remove the inquiry that goes along with the account that has been removed. I called and spoke with a supervisor who told me that the inquiry was correct, even though I have a letter from XXXX Bank stating that the account is not mine and that they have removed the account from my credit report. I have attached the letter for proof. I want this hard inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR Experian 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXXAccount Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is totally absurd, unacceptable, utterly RIDCULOUS that Experian did not respond within 30 days of my dispute and now refuses to honor my request by falsely accusing me of using a credit repair which is not Illegal. This is a deliberate refusal and violation of the FCRA and I expect you ( Consumer Financial Protection Bureau to hold them accountable. in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on by certified mail that I questioned the accuracy of fraud related items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX, US Dept of Education, Univ XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that thi is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

After reviewing my credit report I found it has been reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma refuses to update information on credit file # XXXX and # XXXX We have 2 mortgages. The house mortgage is not listed since 2016 after Bankruptcy.

Main resident not included. Does not show active on Credit Karma. Why? Balance owing {$58000.00} XXXXXXXX XXXX XXXX also with XXXX XXXX XXXX a remodeling loan balance of {$9700.00} balance. STILL OWING ON BOTH LOANS AND CURRENT. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Mortgage

In XXXX XXXX the United States of America Consumer Financial Protection Bureau filed a consent order against LoanCare, LLC. My mortgage was sold to XXXX and in XXXX XXXX Loan Care, LLC continue to withdraw the payments and refuse to send 2 months to the new lender, XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). Several attempts have been made and all received is the run around or we have not received anything. I have faxed, called, email information concerning this issue. It has become harassing and threaten phone calls from XXXX XXXX. I am requesting a through investigation into this matter. 
XXXX XXXX, XXXX @ XXXX Thanks