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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - US SM BUS ADMIN ODA XX/XX/2021 - XXXX  XX/XX/2021 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2020, I ordered an auto battery from walmart.com, which was installed by a Walmart auto department, removing the old dead battery At the time of placing the order, I provided the merchant with my Capital One credit card information. The battery price was {$120.00}. The state and local sales tax is 0.75 %. The tax should have been {$9.00}. However, subsequently the merchant added {$21.00} in tax and submitted this fraudulent charge to Capital One. This is an illegal sales tax rate of 0.16743 %. The difference is {$12.00}. Copy attached. When I went back to complain to the Walmart auto department I was told that they could not do anything about the overcharge. I called walmart.com, but was told that the tax was calculated correctly. I called Capital One to complain, after which a credit of {$12.00} appeared on my account online. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Capital One reversing the credit and closing my complaint - without explanation and without addressing the illegal sales tax overcharge. Clearly this is an example of big companies - Capital One and Walamart - flaunting the financial system, blatantly and intentionally illegally cheating the public.
Product: Credit card or prepaid card

I received alerts that an American Express credit card was opened in my name on XX/XX/2022.
Product: Debt collection

I am receiving debt collections packets in the mail from a lawyer representing XXXXXXXX XXXX The debt is from a credit account for buying automotive tools. After reviewing the {$5100.00} bill they sent to my house with a court letters I dont understand. I can see and very clearly they forged my signature on a credit loan agreement to add around XXXX ( approx ) debt to my account. This was added in a time period I was not working at the company where the initial loan was taken. This debt is from at around XXXX yr ago. I know I had some balance left around XXXX then. I really would like to settle the debt now that I am in a better place but I know what they are doing is highly illegal. Please if any help you can provide me, I would sincerely appreciate it. Please contact me for the full contract paperwork as it is not allowing due to file size. I will attach some of the pictures of the forged signatures compared to my actual signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that XXXX XXXX ( the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with XXXX XXXX XXXX for my monthly car payments to be withdrawn automatically on the XX/XX/XXXX of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken on XX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by XXXX XXXX XXXX and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn onXX/XX/XXXX but WAS successfully withdrawn by XXXX XXXX XXXX on XX/XX/2018 which made the payment for XX/XX/XXXX 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX who I bank with about an update to my credit score today and was shown my score XX/XX/2022 was XXXX. I received an email from XXXX homes regarding an inquiry I made online regarding a possible home purchase. I authorized XXXX to make a soft inquiry of my credit XX/XX/2022 @ XXXX and was denied stating the report from Experian provided stated my credit score was XXXX. How can the same company 's report provide one company such varying scores on the same day which I might mention was a banking Holiday which would indicate to me that no transactions were added to my report today to cause such a difference in the 2 scores. Needless to say I feel Experian may be in the practice of XXXX discrimination because the the company providing home loans received a score that was significantly lower then the score provided to my bank ON THE SAME DAY by THE SAME COMANY.
Product: Debt collection

Company has called relatives and associates on debt not owed. Releasing personal identification information to relative such as last 4 of  ssn.
Product: Debt collection

On the XXXX XXXX XXXX, I received two invidious letters from the law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; on behalf of two debt collection agencies : XXXX XXXX XXXX and Midland Funding LLC. The letters purport that I owe some unspecified and unsubstantiated debts, and that a wage garnishment order has been exigently executed and sent to my current employer. 

Let me unequivocally state that I do not recognize these fictitious and mendacious accounts, neither do I intend to make any payments therein. Succinctly, I will pay XXXX dollars! I refuse to be inveigled, inculpated or browbeaten into accepting any pecuniary responsibility or obligation, concerning the debts. 

Furthermore, the letters did not specify any dollar amounts owed, nor have any appurtenant evidence linking me to these debts. Be apprised that I am requesting a debt validation notice on these accounts, and will also be contacting the office of the NJ Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes for items on my bureau in XX/XX/XXXX and XX/XX/2020. I have requested, as required by law, that the bureau furnishes the written proof that the items reporting on my bureau is mine. Experian has failed to do so, in addition, they have staunchly refused to do any additional investigation. I have also been told that they are not required to investigate credit inquiries.
Product: Credit card

XX/XX/XXXX : Recevied letter that XX/XX/XXXX Transaction via XXXX was valid. The Reason stating " You received benefit from this transaction ''. Amount of {$1200.00} was rebilled to credit card. 

XX/XX/XXXX : Called and spoke with XXXX about letter dated XX/XX/XXXX saying that XX/XX/XXXX dhgate charge is valid because I " received a benefit ''. He stated the decision was made based on IP Address. 

The charge in question from XXXX XXXX happened on XX/XX/XXXX for {$1200.00}. 

I called Chase on XX/XX/XXXX and spoke to XXXX to report this charge in question as well as another charge. I also explained that I discovered several of my accounts were compromised including my XXXX XXXX account and XXXX  account. In addition, I changed my name to my married name during this time and NEVER received the new credit card in my new name. 

I notified XXXX via their online system that the purchase was fraudulent and the mailing address they had for the order was not mine. There is no other means of communication to get a hold of someone from XXXX except via their portal. In the meantime I can not access my XXXX as it's been restricted due to this transaction begin reported as fraudulent. 

I have been an EXCELLENT standing credit card customer with Chase since XXXX! Our 3 main credit cards are ALL Chase credit cards. They have access to our spending habits and big ticket purchase trends ( usually travel ). I have never reported any fraudulent charges before and have never made a late payment ever. 

The charge on XX/XX/XXXX to DHGate is a fraudulent charge that I DID NOT authorize OR MAKE based on all the information above. I did not receive any benefit from this transaction as Chase is claiming. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax in regards to Tax lien # Lien Filed XXXX ; XXXX County Superior Court ; Case or ID # XXXX ; Amount {$890.00}. Equifax advised me that they received information from third party provider XXXX XXXX that this information was correct and to dispute item with them. I disputed this Tax lien XXXX with XXXX XXXX and received notification that they removed the item from their system. I then refiled my dispute with Equifax to advise them that XXXX XXXX removed the item from their system and for Equifax to remove it from their system. Equifax sent me results of their investigation stating that XXXX XXXX showed the information was accurate. I have a copy of the letter from XXXX XXXX stating that they deleted this item. Equifax obviously did not reinvestigate thsi because they did not update the status and remove this item from my credit report. Please make Equifax remove Tax lien from credit report due to XXXX XXXX removing it from their database.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an auto loan account opened atXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$750.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have been a victim of identity theft and due to the fraudulent activity ( including fraudulent payments ) I was told that once the provisional credit hits my account the manager advised me that my account would be opened ( since the reason for the closure was not my fault and I am being punished for something far out of my control. They requested that I send the fraud of affidavit, police report, and the statements showing close to XXXX in fraudulent transactions and XXXX plus XXXX in fraudulent payments.
Product: Checking or savings account

I had a checking account with Discover bank because they were offering XXXX, as they decided to no longer offer XXXX, I decided to close my account with Discover and enroll my phone number with another bank that has XXXX, Discover bank has put restrictions on my phone number for no reason that is making it impossible for me to enroll my phone number with XXXX through another bank. I have been trying to get this resolved for the past three months, I am hoping with your assistance that they remove those restrictions in place so that I can enroll my phone number with XXXX at another bank. As I have closed my account with Discover 3 months ago. Please help get this resolved as soon as possible, as I am a law abiding citizen, and never had any issues using XXXX. Thank you so much.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Filed Date Filed/Reported : XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I been paying a Home depot credit card for more than a year but I owe more than what I suppossed to. I stop using the credit card on XXXX 2014 and I owed XXXX. I paid for a year and I owe XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report, please remove them from my credit immediately. 

XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I have sent XXXX rounds of disputes to Experian challenging multiple negative items on my credit report. These disputes were submitted on XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

The negative items I disputed include collection accounts and charge-offs that I believe to be inaccurate, outdated, or unverifiable. I requested that the credit bureau provide proof of accuracy for these items as required by the Fair Credit Reporting Act ( FCRA ). 

Instead of conducting a reasonable reinvestigation within 30 days, Experian responded by accusing me of fraud and refusing to process my disputes. This accusation is completely false. I personally submitted each dispute letter, and I have evidence to prove it. 

Their refusal to investigate my disputes is a blatant violation of the FCRA ( 15 U.S.C. 1681i ), which requires credit bureaus to verify disputed items or delete them if verification is not possible.

As a result of their non-compliance, my credit report continues to contain inaccurate and unverifiable information, causing ongoing harm to my credit score and financial wellbeing. 

I am demanding that Experian : XXXX. Immediately reinvestigate all disputed items. 

XXXX. Provide written proof verifying the accuracy of the negative items. 

XXXX. Delete any items that can not be verified. 

If the company fails to comply, I will pursue further action by filing additional complaints with state and federal regulators and consider legal action for damages caused by their violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.
Product: Credit reporting

I wrote Transunion in XXXX requesting an investigation into errors on my credit report. It is now XXXX. NO RESPONSE! This is a violation of Federal law
Product: Credit card or prepaid card

I opened my account around XX/XX/2018. Shorting after I went out of the country until XXXX. Upon arriving home I immediately contacted citi regarding these charges it was over XXXX in charges. They claimed I called and said I had my card which is incorrect I never called. They not only held me liable for something I didnt do, they lowered my credit line from XXXX to XXXX. And its a conscience that they lowered for the exact amount to the XXXX on what the claim was for. Now they are ruining my credit every month. I have called several times. No one will help me. I am a verified fraud victim. I have identity alerts on all credit agencies. My credit went from a XXXX to the 500s. They need to resolve this. Refund all money that belongs to me. In the terms for the card they state zero fraud liability. But they are making me liable for something I didnt do. I wasnt even here. They need to fix the account. If this isnt resolved I will be taking this to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about a fraud credit inquiry made by XXXX. 
They disputed and removed the fraud inquiry. I noticed the company placed an account on my credit and I disputed with Experian a FTC report # XXXX. The account was removed and blocked. I was told by the fraud department the documents submitted would be sent to the data furnisher. 
Shortly after being removed I noticed the account was placed back on my credit. I was not given notice in writing by Experian per FCRA. I contacted them at once and was told the data furnisher disagreed and asked the account to be reinstated. 
I was told the data furnisher DID NOT provide any documents other than a VERBAL response. 
I sent another FTC report XXXX to Experian on XX/XX/XXXX. 

I sent a letter on XX/XX/XXXX to the data furnisher and Experian asking for debt validation/verification. 
As of XX/XX/XXXX NOTHING has been given to me by either party. 

Experian does not follow FCRA guidelines for reporting debts or verifying disputes I placed and dispute with Experian for XXXX XXXX  as well that shows closed on my credit and {$950.00} balance. This account was removed and placed back on my credit without giving me proper notice. 

I have provided Experian with police reports and FTC reports for accounts XXXX XXXX XXXX  XXXX BOTH WERE SENT ON SAME POLICE REPORT AND FTC REPORTS. 


Experian was asked in writing and verbally to provide the following since they said the accounts were verified 1 PLEASE PROVIDE NAMES OF PERSONS AND TELEPHONES AND ADDRESS OF WHO VERIFIED THE ACCOUNTS. BOTH XXXX XXXX AND XXXX  XXXX 2 I ASKED FOR THE METHODS AND PROCEDURES USED TO VERIFY THE ACCOUNTS 3 IM REQUESTING ALL DOCUMENTS USED TO VERIFY THE ACCOUNTS I AM EXERCISING MY RIGHTS UNDER THE FCRA 611. I WAS NOT NOTIFIED OF THESE ACCOUNTS BEING REINSTERED TO MY CREDIT FILE WAS NOT TOLD I CAN ADD A STATEMENT. I AM SENDING THIS AND ASKING FOR THIS TO BE INVESTIGATED PROPERLY AND THROUGHLY I AM ASKING FOR A TIMELY RESPONSE OUTLINING THE STEPS THAT WILL OCCUR TO RESOLVE THIS MATTER. IF I DONT NOT GET A REPLY IN I WILL HAVE NO CHOICE BUT TO EXERCISE MY RIGHTS UNDER THE FCRA SECTION 616 THESE TWO ACCOUNTS XXXX AND XXXX  XXXX ARE FRAUD. EXPERIAN WAS NOTIFIED OF THAT AND PROVIDED PROOF OF ADDRESS, FTC REPORTS AND ID, POLICE REPORTS. 

THE DATA FURNISHERS PROVIDED NOTHING AS OF XX/XX/XXXX OTHER THAN A VERBAL DISAGREMENT AND VERBAL DOESNT STAND UP AGAINST DOCUMENTION OF FRAUD. 

I NEVER APPLIED OR BENEFITED FROM THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
DPT EDXXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}
Product: Credit card or prepaid card

We made a reservation with XXXX XX/XX/XXXX for a trip from XX/XX/XXXX to XX/XX/XXXX We had to cancel XX/XX/XXXX due an accident that required me to have XXXX. 
We informed citibank and sent them proof of our cancellation. 
We did not use paper less banking with citibank at that time .They wrote a letter and posted it on line without informing us via email or mail. They needed more documents which we sent, apparently it was a due date posted which we where not aware of until I called and followed up with them. They now claim they cant help us because we missed the due date, even though they have all the information. The amount was XXXX cents we did receive a credit fro XXXX of XXXX dollars [ damage, security deposit ]. We have spoken and emailed XXXX and citibank multiple times. 
We have been a loyal customer with citibank for 30 years, hard to believe That this is how they treat their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account was settled and should be a XXXX balance however Equifax is still reporting a balance of {$2100.00} which is not correct.. I have submitted demands to Equifax with proof and my credit profile has yet to be updated and there has been no response from Equifax at all. Update the balance immediately or delete this account off my credit file!!