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

In accordance with the Fair Credit Reporting Act OPORTUN/XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states that 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 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.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I placed an order online through XXXX for three products totaling {$63.00}. XXXX has an option to pay using KLARNA which helps break up the payments into four different dates. Since it was an online order, I was supposed to go to the store to pick up the items. 

On XX/XX/XXXX, {$15.00} was charged to my debit card and the remaining balance was {$47.00} to be broken up into three future dates. 

The items were ( 1 ) a perfume called XXXX. XXXX XXXX XXXXt at {$32.00} ( 2 ) XXXXXXXX XXXX at {$30.00} and item ( 3 ) XXXX XXXX  at {$28.00}. 

I was to pick up the items at the XXXX store at XXXX, IL. 

When I arrived, the store clerk told me that one of the items, the XXXX. XXXX XXXX XXXXXXXX was not in stock so " it was going to fall off the order '' only that it never did. 

I have the receipt that XXXX stated " cancelled item. '' I also chose that I did not want to take the XXXX XXXX perfume so the XXXX attendant told me since I. had " technically '' already paid for it, she would refund me the {$28.00} ( plus XXXX for tax so XXXX ). The only thing I did end up taking was the item XXXX XXXX that was {$30.00}. 

Technically, the only thing I " owe '' is the remaining {$15.00}. ( because I had already paid one payment to Klarna of {$15.00} ) However, Klarna is not acknowledging that XXXX cancelled the item that was {$32.00} and wants to continue charging me for it. I called both XXXX and. KLARNA and both point the fingers to one another as to the mix up plus when I did try to submit a " complaint '' through Klarna so that I could upload the receipt that indicates that XXXX cancelled XXXXne of the items, it can only be done through the app and then it tells me that an agent will be with me in X minutes and when it finally got o my turn, nothing happened, no agent came to the chat. Apparently, this is the only to upload the receipt that I have. 

So essentially, XXXX does not want to take care of this because they say it is a KLARNA issue and KLARNA has the worst customer service and the only way to upload the evidence I have is through the app which I never get a live person ( and supposedley I am supposed to ) I have wasted a lot of time and energy trying to resolve this. Klarna keeps telling me that I owe the amount of the item that XXXX cancelled ( because they did not have it in stock when I arrived ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile I notice unauthorized inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o XXXX XXXX : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o Equifax : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o Equifax : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for Equifax, XXXX there is a mix of " OK '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.
Product: Credit reporting or other personal consumer reports

Lied and said that they didnt receive my ftc identity theft report when they did. Remove fraudulent items and stop reporting fraudulent accounts!!! Very rude and horrible customer service and refused to help me. BY XXXX you are REQUIRED to BLOCK and delete the items once you receive the FTC Identity theft report which you already have!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. 
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. 
One account reporting in collections is from Portfolio Recovery Associates, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under Portfolio Recovery Associates has been removed as they could not provide the requested information requested and XXXX removed the reporting. Since then, a second request was sent to XXXX to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, XXXX Continues to report both Portfolio Recovery Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against Portfolio Recovery Associates and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. 
I welcome any help that the CFPB can lend.
Product: Credit reporting or other personal consumer reports

Experian claims that by creating an account a user has ability to Freeze or UnFreeze their credit report inquiries for FREE. However, as a long time paying customer, they recently increased my membership and listed top of the list, that if I downgrade to Basic Free membership, I would loose this : Experian XXXXXXXX XXXX XXXX credit file will be unlocked, leaving you more vulnerable to fraud. 

That is FALSE misleading information or their other page listing that Freeze/UnFreeze is FREE is FALSE misleading. https : //www.experian.com/freeze/center.html Of the 3 credit controlling companies, XXXX, XXXX and Experian, Experian is the ONLY account that appears to mislead customers into thinking they may have to pay for this basic free service. 

See this page as well is then Misleading vs. the XXXX Here : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 602 STATES I HAVE RIGHT TOO PRIVACY.

15 USC 1691 section 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS.

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

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX I bought a subscription to XXXX, a trade magazine of the entertainment business, as a gift for my daughter. I used my TD Bank credit card to make the monthly payments. When she stopped showing an interest in the magazine, I attempted to stop the subscription by going online. I assumed I had closed the account, but over the next several months, I continued to see a charge on my TD statement for XXXX XXXX XXXX, with a telephone number. When I called the number I was informed that I no longer had a subscription to the magazine, then I was directed to a woman named XXXX XXXX XXXX XXXX, who asked that I send her documentation of the charges, which I did, and I never heard from her again. I then reached out to TD Bank Card Services, and was transferred to the XXXX Department, where a gentleman ( I don't have his name ) let me know that they would look into the matter. In XXXX of XXXX, I got a letter from TD informing me that I had waited too long to dispute the charges, and that there was nothing they could about the money XXXX XXXX XXXX had taken out of my account for a subscription I was no longer receiving. They referenced charges from XXXX to XXXX of XXXX, but made no mention of the charges that had been taken in XXXX, XXXX, XXXX ( when I complained ) and XXXX. I called again last week, and went through the process all over again. A woman named XXXX at the XXXX XXXX Department asked me to give her information about the charges, but she could see that XXXX XXXX XXXX was still charging me. She wanted to help me, but said it would take some time, and I informed her that I wanted to escalate the situation to her supervisor. She said her supervisor was not available, but would call me back " within XXXX business hours '' ( this was a XXXX, XX/XX/XXXX. ) I have yet to receive a call back. It is Wednesday, XX/XX/XXXX. I also informed her that XXXX solution might be to just cancel the credit card. XXXX said that would be a bad idea, because " XXXX still has all your information, and they can still bill you. '' (? ) I also went through the process with XXXX XXXX, who transferred me to a woman at XXXX, XXXX XXXX, who took my information and said she would get back to me. I'm still waiting. I have since noticed that on XX/XX/XXXX, my TD Bank Card statement contains XXXX refunds of {$59.00} that all landed in my account on the same day. I have no way to reconcile them against what I have been charged in the past, and XXXX 's XXXX Department made no reference to them in my calls, nor have they let me know in writing what the refunds are for. I'm still out about {$600.00} for a subscription I canceled months ago, and TD Bankhas done little to help me resolve this dispute. I intend to cancel the TD Card as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Someone must have used my information to obtain a credit card or line of credit. 

I received a letter stating that a request for a credit product through Synchrony Bank for GUITAR CENTER was disapproved. 

1. I have no knowledge of a GUITAR CENTER. 
2. The address listed for Synchrony Bank is XXXX XXXX XXXX XXXX, PA XXXX. 
3. I have an account with Synchrony Bank and believe the real address to be XXXX XXXX XXXX XXXX, PA. 

This letter was forward from my previous address to my current address. 
I've moved in the last 30 days.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These late payments were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I had problems with XXXX and XXXX at XXXX in regards to collection efforts and unfair practices. XXXX released private/confidential information on my mother 's voice mail box regarding my account. XXXX has been less than cooperative in assisting me with getting my account on track. I was making additional payment amounts higher than the regular payment. They don't go by month, they go by days and count payments bi-weekly versus monthly as most companies do. This company is like a pay day loan when it comes to auto loans. I wish I had known all of this prior to getting involved in this loan. I was pressured at the dealership and rushed to signing papers that I was unable to read quick enough ( dealership scheduled signing right before close and rushed me through ). I had no idea I was signing for bi-weekly payments. I thought the {$170.00} was a monthly payment which would be reasonable for the price, year, mileage, and value of the vehicle. Before I knew it was signed into bi-weekly payments of {$170.00} that I could not afford. We have had job losses ( other signer who drives the vehicle ) and they have acted as a payday loan on this loan. I believe the dealership ( XXXX XXXX ) and XXXX are tricking customers into signing into these unaffordable loans and then repossessing when the customer has already paid more than the vehicle is worth. This is where they are earning their money. They don't care about the customer keeping their vehicle. They are quick to repossess to earn more money. They repossessed the truck last night following my CFPB complaint last week on the breach of privacy and unfair collection practices last week. This should be considered and viewed as retaliation for my complaint as I even put in the complaint that I will be paying the loan on XX/XX/23 with my yearly bonus from my company. They were very swift in repossessing right after the complaint with no indication that they were going to do so.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that a credit inquiry was made by the following listed below. However, I did not authorize these inquiries. Therefore, I am writing to dispute these inquiries and request that they be removed from my credit report. 

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

I have 4 late payments on my credit report from XXXX XXXXXXXX in the months of XXXX and XXXX of XXXX and XXXX and XXXX of XXXX this information is incorrect and I would likeit to be removed please. I did a dispute several times and they mention that the score will be updated. still shows on my credit report to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit beaurues inolved are inaccurratly reporting my XXXX XXXX XXXX Account. The Account number is XXXX. I have had a repossession and it was reported to my account and I had a decrease to my credit score. However, XXXX XXXX XXXX is now reporting missed payments and keeping the account open wich is having a negative impact to my credit reports ( Transunion and XXXX. XXXX XXXX is also in vilation of The CARES ACT. It is not okay for the credit beaurues mentioned to keep reporting fals information. I do not own the veichle and kow that is has been sold, XXXX XXXX is trying to double dip and continue to inpact my credit wich is very wrong. The credit beauties need to start reporting accurate information or completely remove this account as it is in violation of The CARES ACT and is causing harm to my credit report for the last 9 months. It is oreventing me from purchasing my new home.