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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft XXXX XXXX Account Number : XXXX Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY CREDIT. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA AS TO WHO COULD HAVE CAUSED SUCH DAMAGE TO MY CREDIT. IT IS WITHOUT A DOUBT THAT I AM A VICTIM OF IDENTITY THEFT. 
IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM A YOUNG MAN TRYING TO FULFILL MY DREAMS AND MY CREDIT PLAYS A VERY IMPORTANT ROLL. 
I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX which is closed for XXXX. The account is now reporting open on my equifax but closed on my XXXX and XXXX. Equifax is reporting the wrong information and is affecting my credit score and history.
Product: Credit card or prepaid card

I filed complaint # XXXX with CFPB on Discover. XXXX at Discover called and I thought he understood. He said he would call back after review. That didn't happen and I received the same ole information I have always received from Discover. This complaint is because XXXX didn't do as he said and call after his review.
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. 

Account # XXXX XXXX XXXX XXXX {$640.00} # XXXX Account # XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX XXXX  {$0.00} 15 U.S.C 1681 Section 604 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 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have used Klarna services for the past 4 years and recently their reposnses have not resolved the issue. They have been generic copy and paste ( evident by my very clear issue being explained and the responses have nothing to do with the issue ) and not one supervisor has responded. As of XX/XX/23 I can NOT MAKE any purchases with Klarna. It is DISINCTIVELY saying that my identity can not be verified. Which is IMPOSSIBLE because A ) I made 2 purchases that week with no problem. B ) Its the SAME exact card and information. C ) I have been a customer for several years D ) Circles back to point A, how can SUDDENLY they cant verify my identity and Ive made 2 purchases that week and a customer for several years? 
To make matters worse, customer service is of NO HELP and provided me generic responses ( which I know are saved and used to help customers with the same common problems ) but serves no point when it has NOTHING to do with my problem. I was told the following responses 1. You dont have any purchase power- No, you CLEARLY did not read what I typed because my available purchase power was {$900.00} EXCLUDING my current and recent purchase of {$130.00} 2. You have the wrong personal information- No, I do not. NOTHING HAS CHANGED if I am REGULAR CUSTOMER and made 2 RECENT PURCHASES IN 1 WEEK.

3. Transunion needs update your information- No they do not! They have the same information you have and I have ACCESS to my report 24/7. I even called XXXX and they not only verified what I see when I log into my XXXX account, but emphasized that the problem is on Klarnas end. 
4. Uninstall and reinstall the app. Did not work 5. Delete and reconnect your banking information- The SAME EXACT INFORMATION for the pass several years? I did it and it did not work.

6. A manger will reach out but it will take 11 days What TYPE OF RESOLUTION IS THAT? 11 days for someone to call and reach out? It is XX/XX/23 and NOT ONE Person has reached out to fix it.

By the screenshots below you can visibly see the error I am getting is SPECIFICILLY about my identity which again makes no sense when I am a repeat customer and used the service several times in 1 week. How is that SUDDENLY my identity cant be verified? One agent even mentioned that it is an communication error on their end and should be fixed, but give it several days. It does ludacris and STILL not resolved. This is an error on Klarnas end and the fact that I have EXTENSIVE SCREEN SHOTS indicating what the issue is and the senseless uniformed responses are insulting. I want my account FIXED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Posssible finance is reporting inaccurate information on my report. Please look into this matter and have this account removed from my credit files
Product: Prepaid card

Hello, I had an unauthurized charge on my prepaid gift card. HAve been going through the process with the company however they refuse to respond to my dispute or any phone calls anymore. They promised it would be reviewed within XXXX days and it has been XXXXmonths! 

The company is Intellispend.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate

. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX  % accurate. The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX
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 168 1e ( 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 1681 ( 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 shall ( i ) promptly delete that item of information from the file 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 Account
Product: Credit reporting

I recently pulled a copy of my credit report from Experian and noticed the following information are in error : Credit Inquiries : The FRCA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX, XXXX/XXXX/XXXX XXXX Credit /OFF Lease, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX , XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX . XXXX/XXXX/XXXX I did not authorize these inquiries. I have called Experian multiple times getting very rude people that constantly hang up on you and tell you that you did ask for the credit inquiry when I never authorize nor asked for credit with these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason CodeDescription1.XXXX XXXX XXXX INQUIRY ACTIVITY2.XXXX XXXX XXXX INQUIRY ACTIVITY SAME FI Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXXXXXX XXXX XXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX  XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX  XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX Event ID Type Source XXXX Inquiries Viewed Only by You XXXX XXXX XXXX Inquiries Viewed Only by You XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXXXXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed Only by You XXXX XXXX XXXX Inquiries Viewed Only by You XXXX XXXX XXXXXXXX Inquiries Viewed Only by You XXXX XXXX XXXXXXXX Inquiries Viewed Only by You XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Discover Card Company issued me a credit card. XXXX charge was disputed, and therefore not paid. Afterward, I learned that in fact it was a legitimate charge but the company had used a completely different name so I no longer disputed it. Discover Card paid the amount, advising me they would do so but not advising me that it meant I would go over my credit limit nor that I would daily receive XXXX phone calls regarding being over my limit. I pay the monthly payment on time at the rate prescribed each month. I previously requested of Discover card that they stop calling me, which they agreed to do, and notating it on my record. Yet it has happened again and continues daily at an excessive and harassing amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with late payments removed. 

account listed below XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX  XXXX XXXX XXXX, GA XXXX The CORRECT Address is XXXX XXXX XXXX XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 shall ( i ) 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting

On XXXX/XXXX/16 Equifax reported XXXX accounts from XXXX which in which XXXX XXXX was the original creditor ... .I disputed the account because I never lived in XXXX XXXX so Equifax DELETED the accounts On XXXX/XXXX/2016 Equifax repoted the same accounts under a different debt buyer. XXXX. I was not notified of the accounts. This is re-aging an account. Equifax an XXXX have not validated the account according to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( Experian ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain.

I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a XXXX offense.
Product: Debt collection

I was contacted through email from ACE Cash Express stating I owe over {$2000.00} dollars for a debt I did have a few years ago. At first I didnt know if it was a legal debt and I did find the company on the list. I made arrangements to pay the {$300.00} that was agreed to close the acct. then I got another email saying we forgot to tell you, you owe another {$190.00} or we will send you to get sued and pay more. I told them I wasnt going to pay. I was then contacted by 2 other people saying the same thing that I will be sued and have to go to court and pay the full amount. On email said if I pay the {$190.00} they will close the account. They have my social security number so I got real scared and paid it. Then I received another email saying I owe an additional {$140.00}. I then told them I am not paying so they threatened me to send my acct to a lawyer. I then filed a police report for harassment and the officer told me it is fraud and to report my social security number is being fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers, of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit report standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : EOS CCA, ACCOUNT # : XXXX, DATE : XX/XX/2017, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.