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

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX/XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX/XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX - XXXX  XXXX Balance - XXXX  XXXX XXXX  XXXX : - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX
Product: Credit reporting

I was negotiating a purchase at XXXX XXXX using a credit card that had been previously opened through XXXX XXXX, but separately managed by a credit card company. I asked if a request to increase my credit limit would count as a hard inquiry on my credit report, and the representative at XXXX XXXX told me it would not. When asked for the qualifying information to request the limit increase, I miscalculated my monthly income, and only reported 50 % of my monthly income. The next day, when I realized my calculation error, I called the credit card company and proceeded through the recorded prompts to request a limit increase using my corrected calculations. XXXX requests to increase my credit limit were recorded as hard inquiries on my credit report. The XXXX inquiries are recorded as having been requested on consecutive days, but XXXX came from the same company. I accept that the representative, who I first spoke to at XXXX XXXX, was misinformed, and did not understand that a request for a credit limit increase would count as a hard inquiry. However, because XXXX requests for limit increase took place in a short period of time, I feel that the XXXX should only be reported as a single hard inquiry from the credit card company. I would like for XXXX of the inquiries to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Claim Number : XXXX Date of Loss : XX/XX/XXXX Named Insured : XXXX XXXX XXXX : XXXX XXXX XXXX Dear Madam : This letter is to inform you that your vehicle, XXXX XXXX XXXX XXXX XXXX ) has been declared total loss as a result of the above mentioned loss. 
As of today, your claim has been paid, in the amount of {$7500.00} to XXXX XXXX XXXX XXXX, and is currently closed. 
If you have any further questions please feel free to contact us at the number listed below. 
Sincerely, XXXXXXXX XXXX, XXXX XXXX XXXX Claims Representative ( XXXX ) XXXX ext XXXX XXXX ( XXXX ) XXXX XXXX XXXX | XXXX | Florida | XXXX | T ( XXXX ) XXXX | F ( XXXX ) XXXX | XXXX
Product: Credit reporting or other personal consumer reports

i have file a FTC report and these are the items that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, I have attached more information below concerning my identity theft report
Product: Mortgage

NationStar Mortgage has approved a mortgage modification, I am scheduled to sign the paperwork tomorrow XXXX/XXXX/XXXX, at XXXX. However, Nationstar has renigged on their vebal agreement to remove my ex-husbands name from the modification docs. The facts are, the joint property was signed over to me via quit claim deed in lieu of alimony, as part of our divorce settlement XXXX/XXXX/XXXX. 
I filed Chapter XXXX Bankruptcy, as the property was scheduled to go into foreclosure, prior to the dissolution of marriage. I was instructed by my Attorney to file Chapter XXXX Bankruptcy in order to stop the foreclosure, obtain a mortgage modification under the MMM program ( I requested the HARP program and was told they were the same ). In negotiating with Nationstar there was verbal agreement from Nationstar that they would process the modification in my name only. Now that I have jumped through all the hoops, the modification has been granted through the MMM program and Nationstar has remitted docs with my ex-husband 's name listed as primary, and are requesting that I sign the docs under my name/signature line, while leaving his name/signature line blank without his signature. It reeks of fraud and there is nothing to protect my interest in this matter. Even though he will never sign and is not a participant in this transaction, they would like to move forward with the 40 year modification with his name above a blank signature line as XXXX and my name and signature as XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some credit inquires and accounts that do not belong to me! I have filed an Identity Theft Report with Fair Trade Commission for the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. Thank you XXXX XXXX  account # XXXX date opened XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX acc # XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 



15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency Can not furnish a account without my written instructions.
Product: Credit reporting

I got an online credit report from Experian, and saw that there is XXXX on the name lists is not my name, it 's my middle name and first name but I 'm sure I never use just XXXX of them before, I always use my short name : XXXX XXXX or XXXX XXXX XXXX XXXX for full name, sometimes XXXX XXXX XXXX but never use XXXX XXXX, so it 's not belong to me but the name is in my credit report? 
On the other hand, there is XXXX address I never see before in my address list which is in some below lists showed up that address tried to apply to credit by my name and information, i never live in XXXX, the only State I have been living is XXXX and only XXXX. This is totally looks pretty weird to me who never transfer out of XXXX XXXX. Please help me double check my name and address information. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$2100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX account says opened in XX/XX/year>. Account number XXXX This is not my account I I am a victim of identity theft where some type of cable or phone bill was put under my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX Date is XXXX XXXX My Equifax Confirmation Number IS XXXX OR XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All!! These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there are two accounts from XXXX XXXX XXXX XXXX appearing on my credit report. One of the accounts was opened in XXXX for {$300.00} and the other one was opened in XXXX for {$4000.00}. I had no idea these accounts were in my credit history since I never really keep track of my credit but I got my credit ran because I applied for a loan and that's how I saw these accounts. I don't know who opened the or how someone else could have got ahold of my personal information to open these accounts. I did not get anything out of these accounts that were opened in my name. I never made any payments towards either of those accounts. I filed a police report and notified that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.
Product: Debt collection

Lockhart , Morris & Montgomery has placed a collection alert on my credit report in violation of the Fair Credit Reporting Act. I have never heard of nor do I owe any money to this company. They contacted me once by phone XXXX XXXX about a supposed debt dated XX/XX/XXXX. I asked for the information so I could verify that I paid it in XXXX. I was able to find that I paid the {$65.00} on XX/XX/XXXX to the company in question. Lockhart , Morris & Montgomery says I owe is {$65.00} ( XXXX cents difference ) also the account number that they had in question was a few digits off from the original invoice that I paid in XXXX. 
Shortly after I spoke to them on the phone telling them that I paid it, I received an invoice from Lockhart , Morris & Montgomery XXXX demanding payment of {$65.00}. They said that if I write to them by XX/XX/XXXX they will stop collection on the amount in dispute. I mailed them a dispute letter on XX/XX/XXXX, letting them know that I had proof that I paid {$65.00} on XX/XX/XXXX, and provided them the correct invoice number. I got notification on XX/XX/XXXX that Lockhart , Morris & Montgomery placed a collection on my credit report. 

There has been no documentation sent to me validating this debt nor do I owe any outstanding debts. This collection agency has added this fraudulent debt to my credit report 6 YEARS LATER without contacting me in anyway or giving me a chance to validate whether or not I owe this debt. This is a violation of my FCRA rights and I would like this fraudulent debt removed from my credit reports. This is an outright attempt to collect a debt that is not owed through unscrupulous means.
Product: Credit card

I used their cash advance to help a friend, the amount was {$50.00}. I was charged an {$11.00} fee for the transaction plus interest of {$1.00}. A 26.64 % fee on {$50.00}. This is absurd and totally gouging the consumer. And its all hidden in their fine print. And, the XXXX did not come with the original bill, it came one month after. Something needs to be investigated at CitiBank
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion provided credit score on my bank account webpage. When I pay a significant amount on my revolving credit card, my credit score drops. Has happened more than once. That appears to me as if the credit reporting company is working with the banking industry to drive consumers to increase and maintain their credit usage. Can you explain this situation? 

When an inquiry doesnt result in a new account, that shouldnt affect credit score. In my case, our company has a line of credit. At renewal, the do an inquiry on each member. That shouldnt impact my personal credit score. 

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

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Here is the list of accounts that still needs verifying : XXXX XXXX Balance : {$2000.00}, XXXX  XXXX XXXX XXXX : {$960.00}
Product: Debt collection

So tried applying for apartment in my name I been telling the company it wasnt me and I keep getting calls repeatedly and I tried to pay it off but why would I pay something off that wasnt my one creditor overlook at XXXX  I guess 4 insufficient chargers of {$76.00} dollars and a {$170.00} dollars application fee I never stayed at this property back in XXXX of 2022 and another debt from XXXX at XXXX XXXX I never stayed there either and that was XXXX of 2022 and now its just affecting my credit
Product: Debt collection

item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account no. XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX X, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account no. XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Product: Debt collection

In response to the letter, your company sent a pile of statement received from the creditor as proof that i was credited for the alleged transaction. 
Further, the creditor reported this on my consumer report as " charge off ''. It means the creditor will no longer attempt to collect this alleged debt owned by them. 
Therefore, pursuant to my rights, I approached the creditor and asked the following questions. 
1. Have they sold this alleged debt?

2. To whom is the alleged debt sold to?

3. Are they still in the process of collecting the debt? 
Through the response received from the creditor, I would like to inform Davidson/ Fink has violated 15USC 1692j ( a ) because Davidson/ Fink furnished a deceptive form to create a false belief in me as a consumer that the " creditor '' was attempting to collect the debt but in reality, it was not true.
Product: Checking or savings account

On XX/XX/XXXX I got scammed out of a lot of my money with chime bank. I automatically disputed those charges and they opened a case and started to investigate, in less than 24 hours they denied and closed my case. I had them reopen my case and provided evidence ( screenshots, messages etc ) to help with the investigation, they denied it again. They reopened my case XXXX more times after this and even suggested I file a police report to help with the investigation, so I did and sent it to them. Each time they reopened my case I was eligible for a temporary credit. My last rebuttal was reopened on XX/XX/year> and chime told me " The temporary credit would appear in my account on XX/XX/XXXX or before the XXXX, but it only takes 10 days if they don't find a solution '' which is also they policy. On XX/XX/XXXX which was 10 days after I called chime to give me an update on my temporary credit because I ain't get a email saying they denied it which meant they was still investigating. Chime said they would find a solution and try to Expedite it, after telling them multiple times I have rent due and bills that need to be paid, that it's past the 10 day mark and I should of received my credit until they made a final decision. On XX/XX/XXXX I get an email once again stating they denied/closed my case and no money was credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting information supposedly reported by the XXXX XXXX XXXX however, the XXXX contradicts what TRANSUNION assure ( see letter from the court ) Transunion has acted with negligence. Please see attached documents.
Product: Credit card

Early this year, I made a purchase at a local beauty supply store of hair extensions for {$51.00} cents. Upon going home and matching the color of the extensions with my hair- it was not a match. I attempted to Exhange the product the same day for a different color. Same brand, just a different color. The stores policy clearly states - NO REFUNDS, ONLY EXCHANGES. The original purchased product had not been used, only slightly opened and the packaging was still intact. The store owner/management would not allow me to exchange even though I'd clearly followed the exchange policy.

I disputed this transaction with Apple, 3 times. Of which, the first dispute resulted in them sending me a copy of an email ( between the dispute specialist and the store owner ) basically stating that I was attempting to 'defraud ' the store.

The 2nd and 3rd dispute resulted in nothing. Nothing had been changed or honored. Interestingly enough, the original dispute specialist sent me a copy of the receipt, which clearly states that only exchanges are allowed. Which is what I was attempting to do and the store owner refused to do so at the store. 

At this point I'm done dealing with Apple and I would rather go through Consumer Protection because it is based off principle.

I should have been able to exchange my product, for the same brand, just a different color.

The store owner is not honoring their own exchange policy.

Apple has not protected me and at this point it's based off the principle I want my {$51.00} back.