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

My wife, XXXX XXXX, is the primary card holder and I am an authorized user. She first added me to her Citi card in XXXX, around XXXX/XXXX, when I first moved to the U.S. 

We had a slight upset in our marriage around XXXX XXXX and she removed me from her card. Things were fixed and I was added back to the card around XX/XX/XXXX, 8 months ago. 

Since then I have made numerous calls to Citi Bank and the credit agencies to find out why this card is not being reported properly as it doesn't show up on any credit report. I have used my card multiple times so we know that isn't an issue. 
Citi Bank say they're reporting correctly and the credit agencies say there aren't any problems their end. Essentially I'm stuck in the middle and no one will take accountability as to why this credit card isn't showing on my report, choosing to blame the other instead. 

Since being added as an authorized user in XX/XX/XXXX I have obtained various lines of credit that have all been reported fine, one being another credit card and the other being a car lease. There has been no issue reporting either to the credit agencies.

I have received 3 letters from Citi Bank stating they are reporting correctly, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX however this does not seem to the the case. 

Every time I call Citi Bank for an update they confirm my personal information and tell me to wait 30 days. The first few months they had the incorrect SSN for me, they only noticed after several phones calls from myself. The next few months I noticed they weren't using the correct credit card number so I wouldn't ; t have been associated with that account. It seems like there has been numerous errors at Citi Bank and I'm the one suffering.

Today XX/XX/XXXX I spoke to Citi Bank following up with my latest enquiry only to find out nothing has been done for 3 weeks. Allegedly they tried to call my wife to confirm SSN, DOB and our names. I have been told to wait another 30 days.

This card is in good standing, payments are not missed and I am losing out on the benefits to my credit report. Even if it was 1 point a month that's still 8 points. We also pay an annual fee for this card which seems  insulting given the lack of service received.
Product: Credit reporting or other personal consumer reports

XXXX am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as follows : Creditor Name : XXXX  XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report

( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). C
ontinuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

Experian has the following inquiries I want removed Immediately. 

XXXX  XXXX XX/XX/22 Experian XXXX XXXX XX/XX/22 A paystub and passport have been uploaded with complaint for ID purposes.
Product: Checking or savings account

On XX/XX/XXXX, I sent {$70.00} to a friend, XXXX XXXX. The next day he realized that the incorrect card number was entered on his venmo, ( he lost his card and never put the new one in ). Venmo took the money from my account. I attempted to cancel, but they would not. The next day I stopped payment with my bank. Venmo shut my account down, until I made the payment. I eventually did make the payment on XX/XX/XXXX, just to turn my account back on, which was done that day, but my friend never received is money. So I paid the {$70.00} twice.

Then on XX/XX/XXXX, I was sent {$170.00}, which I see in my account, but it is giving me an error message saying " We could not transfer your money '' Something went wrong. You can not speak to or email anyone at venmo and they do not answer disputes. This is the second time I have issues with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The XXXX Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Dear Equifax, I have been reviewing my credit report and noticed that there are some incorrect addresses listed. I have enclosed documentation proving my current address, as instructed on your website. To make the deletion process easier, here is a list of the incorrect addresses I see and would like removed : ( XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX ) ( XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX ) Only one address should be listed on my report, which is : XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears with variations on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached a copy of my ID to show the correct spelling of my name. Here are the incorrect name variations I see listed : ( Incorrect Names ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these incorrect names from my credit report. 

Additionally, I have identified incorrect employers listed on my credit report. The following employers are not correct and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX. 

Once the incorrect names, addresses, and employers have been removed from my credit report, I would appreciate it if you could send me a copy of my updated report. 

Thank you for your attention to this matter. 

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

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The law also holds the original provider of information ( " furnisher '' ) accountable for providing accurate data to credit reporting agencies. This goes for all Furnishings. 

There are Two ( XXXX ) charged off reporting on my consumer credit report, from XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. According to XXXX XXXX XXXX, XXXX XXXX a charged off is an accounting term that removes an item for the asset column. A charge-off is when a debt is treated as a loss or expense because it is unlikely to be paid. This is also known as writing off a debt or treating it as bad debt. Since this was a liability on the Income Statement it is considered a loss. These two companies had this loss on their balance sheets and at the end of the year, they wrote it off as a bad debt and reported it to the Internal Revenue Service. Equifax and the creditor are reporting inaccurate and false information that shouldnt be reported. It is against the law to REPORT any INCOME on ANY consumer credit report. 
A charged off is considered as income for Tax Purposes, meaning it is XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX cancelled the debt using a XXXX because the debt was over {$600.00}. The rule states : Failing to report the charge-off as income may result in a rejected tax return or a bill from the IRS. In accounting there are assets and liabilities, balance sheets, and the cashflow statements. These items can not be tied to a consumer reporting for reporting purposes. It is against the law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all of my information over to Transunion to correct the inaccurate information and they have yet to do so. Ive submitted the documents twice and still nothing. They were sent beginning of XXXX.
Product: Credit reporting or other personal consumer reports

The Following addresses do not belong to me or my spouse. 

AddressXXXX XXXXXXXX XXXX XXXX XXXX, ID XXXX AddrTypeFormer Address FirstDateXXXX XXXX XXXX Last XXXX XXXX XXXX AddressXXXX XXXX XXXXXXXX XXXX XXXXXXXX, ID XXXX AddrTypeFormer Address FirstDateXXXX XXXX XXXX Last XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX, ID XXXX AddrTypeFormer Address FirstDateXXXX XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX is not me... It is a relative!
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOW [ XXXX Account XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  ], I hereby request a reinvestigation which accurately abides by 15 U.S. Code 1681a ( e ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.

If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused.

I expect a written response from your institution confirming that corrective measures have been taken.

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Product: Debt collection

I paid the prior month and switched companies and they say I owe them which I dont. now they keep sending me text message and email. This company is reporting fraudulent, inaccurate information on my credit report. Also, this company violates my right to 15 U.S. code 1692e ( 12 ), and 15 U.S Code 6801.
Product: Debt collection

There was a call on my mother 's voicemail from someone named XXXX XXXX threatening to arrest me for a loan that I do not even recall. When I attempted to get some answers regarding this, a young lady got o the line speaking very rudely and loud talking telling me that I did something fraudulently but when I began to question her about where this lawsuit was filed so that I could look it up, she started yelling and then hung up on me. All I could get was that apparently this took place in 2013. Both the young lady I spoke with and XXXX XXXX were verbally abusive and I have gotten no less than 6 calls in the last 15 minutes from XXXX XXXX yelling at me and telling that I need to tell him where to come to " serve me ''. I have had to block the telephone number. His voice message states that I have charges and a claim filed against me but they will not tell me where. Only a file number. I have no idea what they are talking about. This conduct is beyond acceptable.
Product: Debt collection

have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several fraudulent accounts and inquiries have been added to my credit file without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and deleted from my credit report as they were not opened or authorized by me.

Fraudulent 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 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 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 or other personal consumer reports

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 **Subject XXXX Dispute of Inaccurate Account Information** **Report Number : XXXX Dear XXXX, Equifax, XXXX, XXXX I am writing XXXX formally XXXX the information regarding a collection account listed on my credit report generated on XX/XX/XXXX. The account details I am disputing are as follows : - **Account Name** : XXXX  - **Account Number** : XXXX - **Date Opened** : XX/XX/XXXX - **Reported Status** : Collection account - **Amount Past XXXX : {$XXXX} as of XX/XX/XXXX I have several concerns regarding the accuracy of the information reported in relation to this account, which I believe could negatively impact my creditworthiness. 

# # # XXXX. XXXX XXXX Information** The report states that the account has a past due amount of {$XXXX}, while also indicating a balance of {$XXXX}. This discrepancy raises questions about the accuracy of the data being reported. If the account shows a past due amount, it should not also reflect a balance of XXXX. I would appreciate a detailed explanation regarding this inconsistency, as it is critical for me to understand how this account is being reported. 

# # # XXXX. **Lack of Agreement** I would like to clarify that I have never entered into any agreement, verbal or contractual, with XXXX  regarding the account number XXXX. I do not have any knowledge of this company or its claims against me. Under the Fair Credit Reporting Act ( FCRA ), it is illegal to furnish inaccurate information or to slander my creditworthiness without proper cause. 

I request that XXXX  show a contract bearing my name and signature in agreement to repaying {$XXXX} for money that XXXX  loaned me. If they can not provide such documentationsuch as a promissory note, security agreement, or any valid contractthen I ask that you remove this account from my credit report entirely. 

# # # XXXX. **Cease and Desist** Furthermore, I demand that XXXX cease and desist all collection activities related to this account. I will not tolerate any slander of my creditworthiness or the use of distasteful collection tactics. If they continue to report unverified information, I expect it to be removed from my credit report and to follow the proper legal channels regarding debt collection. 

# # # XXXX. **Request for Documentation** In accordance with the Fair Credit Reporting Act, I formally request that you provide me with all documentation related to this account. This should include any correspondence, agreements, and verification of the debt. I believe that this documentation will clarify the inconsistencies and support my position regarding the inaccuracies on my credit report. 

# # # Conclusion I appreciate your attention to this matter and look forward to your prompt response. Please inform me of the outcomes of your investigation within the XXXX period mandated by the FCRA. I expect to receive confirmation that this account has been investigated and corrected or removed based on your findings. 

Thank you for your assistance. 

Sincerely,
Product: Vehicle loan or lease

On XX/XX/2018 I leased a truck from Ford credit for 36 months for a monthly payment of {$570.00} per month which INCLUDED my NY sales tax. Due to COVID there are no new trucks to lease so have to extend my lease. Now Ford credit is insisting I have to pay an extra {$49.00} per month for ny sales tax IN ADDITION to the {$52.00} I am ALREADY PAYING in my monthly payments. I have called several times, spoke to several people at Ford credit no one can explain WHY I have to pay double taxes and they have no written explanation. However they insist I have to pay it. I spoke to ny state sale tax authority and they told me this is completely wrong.
Product: Bank account or service

On XXXX XXXX and XXXX my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. More than {$35000.00} was sent by us over the course of 2 days via XXXX gift cards under the pressure and manipulation of the criminals. Beyond devastating. Nearly half of that money came from our Chase accounts. First my husband withdrew {$5000.00} from his Chase business account on XXXX XXXX upon the initial threat of those crooks, and then the next day on XXXX XXXX we kept coming back to Chase 3 times (! ) throughout the day withdrawing more and more money from our savings account, totaling {$12000.00} in a single day. No one at Chase asked us a single question why, all of a sudden, we are withdrawing so much money in one day ( when normally we would NEVER take out any money out of our savings account ). Would n't this be a red flag?? I remember 5 years ago or so we needed to withdraw an extra {$300.00} and the ATM machine stopped us! What is happening now?? The security measures at Chase really seem to have gone down a lot, making it unsafe to keep money at the bank. With all the scam and fraud going on these days, would n't it make sense to impose a very strict withdrawal limit per day? Would seem such reputable bank as Chase ( or so it is presented ) should have taken better precautions long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Checking or savings account

Woke up to an alert stating that my number was removed from XXXX. Saw that my checking account with my cash was closed then I called the bank the banker XXXX advised me after speaking with XXXX back office personnels the reason for the closure of my checking account is u known to them as there is no notes left to the reason of closure
Product: Credit reporting

Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account Item # 1 : I dispute XXXX XXXX XXXX - XXXX and XXXX, this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX this is not mines. I have attached ID Theft form. Please delete this account. 
Item # 3 : I dispute XXXX XXXX - XXXX, this account is not a charge of and has been paid in full. Please change account from charge off to paid in full. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there.
Product: Debt collection

Amsher Collection Services is attempting to collect a debt I had no agreement on. My personal information was use without my knowledge. I am victim of identity theft.