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

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On experian, XXXX, and XXXX my payment history is incorrect. It needs to be updated and removed for late payments. The companies that were paid in full like XXXX XXXX and XXXX  and XXXX XXXX XXXX XXXX payment history is wrong. My payment history for XXXX XXXX needs to be updated as well. The Balance is incorrect for all three bureaus. My credit score should be updated.
Product: Checking or savings account

1.I have never had an account with this company DISCOVERBANK XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DISCOVER FINANCIAL SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Prepaid card

I was charged {$500.00} On one card and {$300.00} On another
Product: Payday loan, title loan, or personal loan

Received a letter on XX/XX/2019 from Flagship Credit Acceptance in regards to a denial of a credit request I never applied for and it has left a hard inquiry on my report under my name from XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

Validation for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan, XXXX COLLECTION NAME : XXXX XXXX XXXXXXXX XXXX Last XXXX of XXXX : XXXX Account # XXXX : XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay. But a notice to request validation Under the Fair Debt Collections Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised I am not requesting a verification I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and address of alleged creditor : Name on file of alleged debtor : Alleged account # : Address on file for alleged debtor : Amount of alleged debt : Date that this alleged debt became payable ; Date of original charge off or delinquency : Copy of youre contract and any amendments as this will show the terms of the Conditions so I can see if you are following this in the amount you are trying to collect from me : Statements related to this alleged medical debt because I need to see all charges, payments, credits, etc. to compare this with the contract and see if the amount you are claiming is correct : Was this debt assigned to a debt collector or purchased? 
Purchased agreement if the debt was purchased so that I can see if you really own this del Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay creditor : If your office fails to respond to this validation request within 30 days from the date of your receipt, references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, my name is XXXX XXXX and I have a problem with XXXX because, on XX/XX/XXXX I had a trip back to my country XXXX for XXXX matters. The same day I called the XXXX company to terminate my phone service from the number XXXX XXXX XXXX XXXX, so the agent gave me the confirmation and removed the automatic payment from the account since according to his instructions I should not make another payment. 

On XX/XX/XXXX I return to the United States and I find myself with the surprise of a {$XXXX USD charge from XXXX, which I was unaware of since I never received any billing or collection mail from my account. Given this I need the company to release the Total Amount of debt now because they did not do the work to close my line when I requested it. 

Translated with XXXX ( free version )
Product: Credit card

On XXXX/XXXX/16 my XXXX credit report showed that there were a Capital One and a XXXX bank hard inquiries. I called both banks and they both reported not to have any information on the matter. On XXXX/XXXX/16 XXXX reported again that Capital One had another hard inquiry for trying to open an account. I called capital one and they reported that as a matter of fact someone tried to open an account with Capital One. The representative said she closed the account that was opened on my behalf and report it as fraudulent.
Product: Payday loan, title loan, personal loan, or advance loan

Bank is charging monthly interest and daily interest. Paid {$550.00} in interest and zero went to principal. So, we were making payments weekly are ahead on payments and interest and principal was looking correct. Then, XXXX was going to principal made payment of {$180.00} to " interest '' so the funds could start going to interest and principal. But nope, all {$550.00} is going to interest. 

Every month was an issue, bank is scaming people money.
Product: Debt collection

This company keep on calling me none stop every time check my credit keeps tell me that this company pop up on credit again after it said it was closed out so wan na know who really playing with my credit cause this don't make any sense to keep taking it off my credit then to put it back on there there for ill be suing this company.
Product: Credit reporting or other personal consumer reports

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Product: Credit card

I applied for a XXXX payment with no interest for a TV system at Best Buy for {$61000.00}, but Citi only approved {$4000.00}. Then, they sent me an email saying that because I applied twice, I was disqualified.

I don't understand unless it was the account from over XXXX years ago, and Best Buy support that helped me with the application was told that.

I have a credit score of XXXX, and no reason to be denied the credit. 
It must be that I will be XXXX next month. 

I tried calling Citi but just got connected to an automated system. 

XXXX XXXX XXXXXXXX did the same when I switched my XXXX Business to them. However, they only approved {$12000.00} on the visa, and I have been running and need {$50000.00}. I was only switching so their system would connect with my accounting program. 
It has to be age dicrimination.
Product: Vehicle loan or lease

Sometime between XX/XX/2018 I contacted Santander to make the XX/XX/XXXX payment by phone using a credit card. The company refused payment, claiming they don't accept credit cards. I advised that I have a XXXX XXXX XXXX & the credit card is my only option for payment for the next few months. Santander advised that I find a way to pay using the card elsewhere when I complained that I should have been told this when the loan was offered. I contacted the company again in XX/XX/XXXX to explain that the credit card was my only option for payment & I would be late on payments until I could figure out how to use the credit card/get cash off it to transfer to Santander. I asked that they explain the terms of the penalty for late payment & the rep advised that the car isn't repossessed until at least 120 days past due & even then, there is a program to prevent repossession when significant hardship exists ( such as a XXXX XXXX XXXX ). However, that rep was not referring to the state laws where the vehicle was repossessed & a repossession notice was sent in 30 days to the old address XX/XX/2018 because the company failed to update the address when I contacted them to update it in XX/XX/2018. I found out about the letter ( XXXX letter, state of Minnesota ) when I called to modify the loan XX/XX/2018 & learned the car was " up for repossession ". I was then told that the company would work with me to resolve the payment issues without repossession. On XX/XX/2018 the car was repossessed while I was sleeping overnight & the company 's reinstatement rep advised that because I " missed ONE call '' 4 days prior, that they " thought '' they weren't a priority & repossessed the car ''. Not because I actually defaulted on the loan or told them I would default but because they called & didn't get to speak to me due to my being in meetings /driving & them not calling to follow up more than once, they repossess the car & tow it over an hour away because they assumed they were unimportant & could take the collateral for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX XXXX on my report I ask to move they said no after I told them that is not my physical address it needs to be removed from my report immediately XXXX XXXX XXXX XXXX XXXX  CA not my address XXXX XXXX XXXX XXXX on XXXX also not my address remove immediately
Product: Debt collection

A letter was sent in response to notices sent to me about this debt without VALIDATION. I have not received a response with validation for me to investigate within the 30 day window and it has not been removed from the credit reports.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX
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 and 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 redress for these violations
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. 

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

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX  XXXX XXXX and the credit bureau Equifax. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report.

2. **Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA.

3. **New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureaus and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of companies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX XXXX, has violated my rights. 

15 USC 1681 section 2 A states that I have a right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) 5 states : No consumer reporting agency may make any consumer report containing any following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$180.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I had auto pay set up on my Citi bank card. The set amount of XXXX which was the min payment set to be taken out of my checking account on each month on the due date on the XXXX of every month and for the month when the problem started with was for the month of XX/XX/XXXX. My min set amount due to taken out with my account set on auto pay was {$290.00} then on XXXX another withdraw was taken from my account in the unauthorized amount of {$1100.00} that was never approved. I did reach out to the CC company and they told me it could take up to 2 weeks to refund the money. The money was never refunded so I reached out to my bank to dispute the withdraw. My bank determined that the payment wasn't processed based on the terms under my card agreement and Citi bank returned the amount of {$1100.00} XX/XX/XXXX. My CC account was also current before the due date for the month of XXXX. I have not used this card for any purchases for months. In the process of getting the money returned to my checking account, Citi bank then lowered my credit limit down below the the amount I owed and is now telling me I am late making payments and harassing me to make a payment. I still have cont. to make my payments on time and still have not used my card to make any transaction. I have reached out to Citi bank requesting that they put my credit limit back to where it was so I wouldn't be over my limit now and they have refused. I was current and have cont to make my min payment on the due and now have received a late fee of {$40.00} on XX/XX/XXXX. I made my payment on time for XXXX for the min. due and then again another payment on XX/XX/XXXX for the amount of {$210.00} and then another payment on my due date of XXXX for the amount of XXXX. This has all started from them taking an unauthorized payment from my account and now I am {$640.00} over the limit and they are cont to add late fee 's for an account that I have been current on and can't get a straight answer from anyone in customer service. They denied my credit limit increase.
Product: Debt collection

My name is XXXX XXXX, I am making this complaint of my own accord and do not consent to XXXX verification in response to AFFIRM reporting inaccurate information to three of the many credit reporting agencies. I have contacted AFFIRM to produce proof pursuant to rule 1002, of an original contract. It has been more than 180 days and XXXX, XXXX, and XXXX are still reporting erroneous information on my consumer report. I never received full disclosure from any of the companies mentioned that my personal non public information would be used in this deceptive way. Pursuant to 15 USC 1692g I am to be provided with the correct validation by AFFIRM of a " debt '' the alleged is " owed ''. Given that I have contacted not only AFFIRM but XXXX, XXXX, and XXXX more than 90 days ago to dispute and have them correct their error, 15 USC 1692g ( b ) subsection ( a ) states that they should cease and desist all communications, verbal and written until the disputed " debt '' is validated.15 U.S. CODE 169f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the " debt '' or permitted by law.