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

Out of all the 3 credit reporting agencies Equifax has been the worst in keeping and accurately reporting my credit reports! They constantly report old outdated information which then gives me a reduced XXXX score? I will enclose my XXXX XXXX XXXX balance which is XXXX yet on your Equifax it still shows XXXX owed?? Also all my XXXX XXXX cards are all below 15 % credit utilization? It is not reflected accurately on my Eqifax
Product: Credit card

My discover card was stolen a couple months ago along with my entire wallet ( including my ID card ) and phone. It was used to create XXXX  XXXX in fraudulent transactions. I disputed all the fraudulent charges made on my discover card and the majority were denied and readjusted to my discover account now showing on my balance. I need these charges taken off my balance as I did not make them & they were done fraudulently. I was told that the main reason for the readjustments were due to the merchants having proof of my ID card being used & transactions being approved via email or text. But as I had mentioned to the discover rep while creating the dispute, my ID card was stolen along with my discover card and my phone. My phone did not have a passcode on it leaving it open for anyone to use. 

Once the transactions were readjusted, I called the discover customer care center who forwarded me to the discover rep XXXX who told me the reasons why the transactions were readjusted. After I told him the reason why those were invalid and to have the readjusted dispute transactions taken off my balance, he began to insinuate that I had in fact made the transactions and almost started interrogating me in regards to the transactions. This was very unprofessional for Discover after being a loyal client for over 3 years paying my credit card in full every month. 

I filed a police report regarding the incident and an FTC identity theft report and have still been denied the disputes. I told XXXX over the phone to either check the security footage of the merchants where the transactions occurred or the signatures given to the merchants where the transactions occurred to figure out who did this with my card. I was told he was unable to check these things. Those XXXX pieces of evidence I listed would figure out who made these transactions and would clearly show that it was not me who made them. Yet Discover is claiming that they have " sufficient evidence '' to deny the disputes. What evidence? That my ID card was used during the purchases? That a verification code was approved via email or text? Anyone who looks even remotely close to me could have used the ID successfully. Employees checking ID 's quickly glance at them and most of the time don't care as long as you present them a real ID. & whoever had my phone had access to the gmail app and also all my text messages. These are not valid reasons to deny my disputes and I will not be held liable for XXXX XXXXXXXX in fraudulent charges that I did not make. 

This is unfortunate that I have to result to creating this report to settle this situation that should have been handled professionally by discover who I saw as a decent credit card issuer before this incident.
Product: Credit reporting or other personal consumer reports

Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 



Equifax failed to clearly state the accounts were in dispute. Delete the accounts due to FCRA violation. Code 107 XXXX XXXX  Account XXXX : delete due to Equifax failing to state the account was in dispute. Code 107  XXXX XXXX  Account XXXX : delete due to Equifax failing to state the account was in dispute. Code 107 XXXX XXXX XXXX Account XXXX : delete due to Equifax failing to state the account was in dispute. Code 107 XXXX XXXX Account XXXX  : delete due to Equifax failing to state the account was in dispute. Code 107
Product: Debt collection

This company contacted me as an attorney ( I specifically asked them if they are an attorney and they said they are in fact a law office ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXX/XX/XXXX ; If the XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to purchase a vehicle. About 1 month after having the vehicle I got a letter from XXXX XXXX saying my transaction with them is denied with the terms the dealer wanted but that they would accept other terms ( aka higher interest rate ). This is due to the credit score assigned by XXXX XXXX which was about 100 points lower than XXXX and XXXX. I believe this is a scam to allow XXXX XXXX to ask for higher interest rates due to questionable credit. Searching the database here and XXXX searching, I see this is a very standard practice of XXXX. My credit with the 3 major credit reporting agencies is 800+. This is a scam and a slap in the face. XXXX should lose their credit reporting license.
Product: Credit card or prepaid card

Capital One credit card services charges me a annual fee which I was not notified of via email or mail. I owed nothing on this card so no monthly fee was due. I was then charged and not notified and then proceeded to submitted a noticed to the credit bureaus that it was delinquent. I have used the card or spent money. They submitted I was delinquent using my credit card event through I did n't use it. I have been trying to take action with capital one but getting nowhere and they are being supportive. My credit was effected over XXXX points and has increased all my rates with other companies creating a hardship. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX XXXX breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX dollars, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Product: Debt collection

I've been contacting XXXX XXXX XXXX XXXX  for almost a year now submitted documents they are for they said they didn't get them I fax them mail I know my mom had insurance on the house that if anything happen to her on my father that it would be paid off and these people are fighting me them loan is in my mom 's name and a half the money
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Medical Debt from Credit Report XXXX XXXX XXXXXXXX ( {$2300.00} ) original creditor ( XXXX XXXX XXXX XXXX ) AMSHER COLLECTION XXXX  XXXX ( {$1900.00} ) original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Dear Sir/Madam, I am writing to bring your attention to the recent change in federal regulations regarding medical debt reporting. As of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has implemented new guidelines which mandate the removal of all medical debt from consumer credit reports. 
According to these new regulations, any medical debt that has been reported on my credit report should now be removed as it no longer meets the criteria for inclusion under the revised CFPB guidelines. 
I respectfully request that you review my credit report and ensure the removal of any medical debt as required by this new policy. Please confirm in writing once these changes have been made. 
Thank you for your prompt attention to this matter. Should you need any additional documentation or information to facilitate this process, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 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 Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. Please delete the following accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain inaccurate information and Unauthorized Inquiries in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX 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 XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX BANK Inquired on XX/XX/2022 ; XXXXXXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXXXXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.
Product: Checking or savings account

Wells Fargo charged overdraft fees when they held checks I deposited and werent available immediately
Product: Money transfer, virtual currency, or money service

A client sent me a XXXX transfer to my Bank of America account and the money has not been deposited into my account. The bank can not see the transfer but my clients account has been debited for the transfer so the issue is with Bank of America. After spending XXXX minutes on the phone with XXXX different reps I was told nothing can be done and my money is gone. The reps do not care about the confirmation number or any of the transaction details and they can not see my current pending XXXX transfers.
Product: Debt collection

On XX/XX/XXXX I paid this debt in the amount of {$33.00} but on my credit report it was reported that I owed {$170.00}. When I contacted the company in XX/XX/XXXX they told me that I only owed {$33.00} but before XX/XX/XXXX -XX/XX/XXXX it was reported to XXXX  that the amount owed was {$170.00}. 

I recently sent XXXX, after trying to dispute this several other times that this isn't my bill because per the company there was never an amount of {$170.00} that should have been reported. 

Now it is listed as a " CHARGEOFF '' but it was never my bill and it was paid in full-never charged off.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the numerous attempts I have made to rectify and remove fraudulent items on my credit file. Despite my repeated efforts, these unauthorized entries continue to persist, adversely affecting my creditworthiness and causing significant distress. 

I have diligently followed your dispute resolution process, submitting the required documentation and providing detailed explanations of the inaccuracies. However, the response I have received thus far has been inadequate, as the fraudulent items remain on my credit report. 

Despite my consistent efforts to rectify the inaccuracies on my credit report, the fraudulent entries persist, indicating a failure in the credit reporting process. 

These fraudulent entries have had a detrimental impact on my creditworthiness, affecting my ability to secure favorable terms for loans, credit cards, and other financial products. 
The responses I have received from your bureau thus far do not reflect a thorough investigation into my disputes, and I remain dissatisfied with the lack of resolution. 

I request the following actions to be taken promptly : I urge you to conduct a comprehensive and thorough investigation into the fraudulent items on my credit report, including a review of all supporting documentation I have previously submitted. 

Upon confirmation of the inaccuracies, I request the immediate removal of the fraudulent items from my credit report. 

I expect clear and timely communication regarding the progress of the investigation and the steps taken to resolve the issues. 

I request that your bureau implements measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity of the credit reporting system. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$110.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXXXXXX XXXX  debit card and it was place on hold because Bank of America repot me too early warning when Bank of America agreed too removing the file XXXX from Bank of America said theyll remove it and its still on there so please remove this file from early warning
Product: Checking or savings account

A dispute was filed with Chase Bank for a transaction in the amount of XXXX from XXXX XXXX for failure to provide services as described It was a week stay and there is a police report with the XXXX WI police report for violation of law in which the hotel manager was confrontational aggressive and verbally threatening. She said to leave the prior to the seven day stay. That is in the police report. Visa policy states that you receive your money back when the service is not as described. The seven day was not completed so a dispute was filed with Chase Bank. Chase Bank refused to give the XXXX back stating they spoke with the merchant who lied and said services were provided. I disputed Again with Chase Bank and the Chase Bank was unprofessional rude and a sneak. She refused to accept the dispute even with the police report. I want the XXXX. Did not receive the services as described. Per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

DECIDED TO MAKE A BIG MOVE IN BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SO I WAS NOT WORRIED ABOUT THAT BEINGTHE FIRSTSTEP. OUTOF SURPRISE A BIG LIST OF ACCOUNTS IB HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

Experian is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXX XXXX account number XXXX was received on XXXX XXXX. Experian is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. 
XXXX XXXX XXXX SSN # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX
Product: Debt collection

My account is set up on their auto-pay system. I had a payment that was returned. I have already set up for the next payment to process and called and spoke with someone at Wells Fargo letting them know that I am aware of the return and I would be making the payment on my next due date. I received a bill in the mail that doesn't show a return payment ; just a fee for the returned payment. I have received phone calls from Wells Fargo four times a day since XX/XX/2021 for my missed payment. I have asked them to stop calling me and they will not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

XXXX is refusing to refund for concert tickets I purchased in XX/XX/2020, and has held my money XXXX interest free. It was a total of XXXX XXXX I wanted it put back on my American Express card on file IMMEDIATELY. I am tried of wait,. They have no customer service, email support has ignore me multiple times, with the latest email I sent 2 weeks ago no response,
Product: Credit reporting or other personal consumer reports

XXXX identity thief 18 USC 28a 2.Security fraud 18 USC 1348 3. Extortion 10 US code 927.127 Company is in violation tried to get Company to resolve conflict. I want a thousand dollars per violation and removed inaccurate reporting from credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTAH XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number : XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : 1. Date of First Delinquency The first date that the account became delinquent.

2. Date of Last Payment The most recent payment made on the account.

3. Date of Charge-Off The date the account was charged off.

I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX