23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the 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 makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc.  ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Identity theft report previously for account XXXX XXXX account number XXXX. This account was removed and blocked. It was also reporting an address that is not associated with me in XXXX, Idaho. I also had to dispute and update my credit report to get that address removed as I've never lived in Idaho. Transunion can confirm that with my personal information and employment history I've never lived in Idaho. My dispute is that Transunion should of not have allowed the creditor to re-insert information that Transunion knew to be inaccurate from previous disputes with a valid identity theft report as well as the creditor reporting incorrect addresses not associated with my personal information. I request this to be reviewed and escalated and my credit report to be updated as accurate.
Product: Credit card or prepaid card

I have been in contact the the merchant ( XXXX ) three times since they have received my property that i have paid for and is now sitting in a warehouse. XXXX keeps telling me they will send me an email when the return is processed. XXXX has a histoy of not honoring returns and providing refunds which is why I contacted American Express Serve. 

I called American Express Serve ( American Express XXXX XXXX ) on XX/XX/19 to start a dispute in the amount of {$250.00} for an item that was returned to the merchant with Signature Confirmation on XX/XX/19. 

American Express is telling me that they are unable to open a dispute for 30 calendar days. 

I simply want my partial refund back.
Product: Vehicle loan or lease

On XX/XX/year>, at approximately XXXX XXXX., I contacted Credit Acceptance to discuss bringing my account current and establishing a payment plan to regain financial stability. Unfortunately, I had been denied XXXX benefits while on maternity leave, which severely impacted my finances. This unexpected setback forced me to return to work earlier than planned to support my household of XXXX. The representative I spoke with was courteous and helpful, but an error occurred during our discussion. The representative mistakenly recorded the date for my good faith seed payment as XX/XX/year>, instead of the agreed-upon date of XX/XX/year>. 

On XX/XX/year>, I discovered that my car had been prematurely repossessed by Credit Acceptance due to this error. This situation caused significant inconvenience for me and my family, including a newborn and two school-aged children, as well as challenges with my employer. After requesting an investigation, it took two days for Credit Acceptance to review the call. Thankfully, they acknowledged their mistake and returned the vehicle to me.

To rectify the situation, Credit Acceptance offered to extend the time to start the payment arrangement. However, retrieving my car required a XXXX XXXX to the tow yard, causing me to leave work mid-shift, as the yard was closed on weekends. My request to defer the balance to the end of the loan was denied, which meant I was still reported as late to credit bureaus. This situation would require approximately two years to pay down the plan, all while accruing more interest and further financial strain. Feeling pressured and without alternatives, I reluctantly agreed to the plan.

Upon attempting to make my first payment, I discovered my account was still marked as repossessed. I immediately contacted Credit Acceptance on XX/XX/year>, around XXXX XXXX. The representative, XXXX, seemed unaware of the situation, initially informing me that my vehicle was repossessed, even though it was parked outside. She consulted her supervisor, XXXX, who assured me the account status would be corrected. However, this correction never occurred. 

I only became aware of this oversight when I applied for a personal loan to consolidate my debts. The adverse action notice listed a repossession, prompting me to review my credit report and confirm this error persisted. Frustrated by repeated negligence, I decided to file a formal complaint, seeking a fair resolution and justice, as I feared the company might dismiss my concerns without rectifying the situation adequately.
Product: Credit reporting or other personal consumer reports

I've recently discovered some incorrect information on my transition report.I also made a buisiness inquiry that landed on my personal report.
Product: Mortgage

I have requested that my mortage company MTB remove the pmi from my account since the loan was originally signed in XX/XX/XXXX. This would allow me to drop pmi if 80 % of the original value and loan in good standing. Currently my mortgage company quoted me this " Message Details To reply to this message, click Reply. To delete this message, click Delete. 
Send a Message| View Secure Messages Message DetailsDateXX/XX/XXXXFromXXXX - M & T Customer ServiceToXXXX XXXX XXXXSubjectRE : RE : Mortgage PaymentsMessageDear XXXX XXXX XXXX , Thank you for your inquiry. 

Please be advised, I have confirmed your loan does not yet qualify for early termination of Mortgage Insurance ( MI ). To qualify for early termination of the mortgage insurance, your loan must be at least five years of age with a Loan to Value ( LTV ) of 78 % and no payments more than 30 days late within the prior 12 months. Since the XX/XX/XXXX was more than 30 days past due, we are unable to accommodate the request to remove the mortgage insurance according to the Department of Housing and Urban Development 's ( HUD ) requirements. 

If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX. 

Sincerely, XXXX XXXX Mortgage Customer Support Retail Loan Servicing '' My loan is already at 80 % and they are in violation of the fha line terms. My original loan amount is XXXX. I am currently at XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding XXXX XXXX and their mishandling of the reporting on my account ( Account Number : XXXX XXXX XXXX XXXX ). XXXX XXXX claims that I missed a payment in XXXX of 2022, an allegation I firmly dispute, as I have maintained consistent and on-time payments throughout my relationship with them. Despite my efforts over the course of several years to dispute this inaccuracy, each investigation conducted by the credit bureaus has concluded that the reported late payment is " verified, '' yet no tangible proof has ever been provided to substantiate this claim. 

Credit reporting agencies are obligated to ensure that all reported information is accurate and substantiated. This repeated failure to provide proof of the alleged late payment is a violation of my rights under the FCRA. XXXX XXXX has not been able to supply the necessary documentation to prove that a missed payment occurred, despite my numerous requests for verification, including the original statement and payment records from that time. 

This willful non-compliance by XXXX XXXX and the subsequent failure of the credit bureaus to address the issue properly have caused significant harm to my credit profile. As a result, I have been unjustly penalized for something that is not only incorrect but unverified. Such negligence has gone on for far too long and is a clear and blatant violation of my rights as a consumer. 

The continued reporting of this erroneous late payment without adequate proof is unacceptable and warrants immediate correction. If the disputed late payment can not be verified with concrete evidence, by law, it must be removed from my credit report. Should this matter not be rectified promptly, other avenues will have to be explored.
Product: Credit reporting or other personal consumer reports

After reviewing my updated Equifax credit report, I am appalled at Equifaxs repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in compliance with federal law. 
As a XXXX XXXX and the head of my household, I face compounded challenges from systemic XXXX disparities within our financial systems. These fraudulent entries are preventing me from providing the quality of life my family deserves and achieving financial stability. It is unconscionable that despite the protections under the Equal Credit Opportunity Act and the Fair Credit Reporting Act ( FCRA ), Equifax has blatantly disregarded its obligations.

Under 15 U.S. Code 1681c-2, the FCRA mandates that a consumer reporting agency must block fraudulent information within 4 business days. Im not asking for checking via e-Oscar but to follow the law under 15 U.S. Code 1681c-2.

Please remove unauthorized/fraudulent inquiries and accounts 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 XXXXXX/XX/XXXX Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above. Equifax must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. I also demand that Equifax conduct a manual investigation, as reliance on automated systems like e-Oscar is unacceptable and violates my rights. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an account on my EQUIFAX report that is out of date and does not look familiar to me. I have made this account aware to EQUIFAX, yet they state the account is verified but it's not been updated since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Vehicle loan or lease

My car was repossessed due to extremely high car payments and insurance added onto the loan that I never had with the bank, they never informed me of this and made my payments so high I could not keep up. They would not work with me to lower them as well. I had my own insurance for the car. My car was then repossessed and taken due to not being able to keep up with the payments. This was after I also got it out of repossession and tried paying on it again.
Product: Credit card

I AM CLAIMING THIS INSTRUMENT AND REFUTING OBLIGATIONS OF THIS PRESENTMENT FROM Bank of America UNDER UCC 3-306. I AM ACTING IN PROTEST OF THE STATEMENTS PROVIDED BY THIS INSTRUMENT AND REVOKING MY ABILITY TO PAY THIS PRESENTMENT UNDER UCC 3-302. I AM REFUSING TO TENDER PAYMENT ON THIS NEGOTIABLE INSTRUMENT UNDER UCC 3-603. ALL PRESENTMENT NOTES ARE EXCUSED AND DISHONORED UNDER THIS STATUTE, UCC 3-504. AND BECAUSE ALL FUTURE, PAST, PRESENT DEBTS ARE PREPAID UNDER HJR 192 OF 1933, 31 U.S. Code 3123, AND 18 U.S. Code 8, AND ARE OBLIGATIONS BY THE FEDERAL CORPORATION OF THE UNITED STATES OF AMERICA ; I AM EXERCISING MY RIGHT TO REQUEST A FULL AND IMMEDIATE DISCHARGE OF THIS PRESENTMENT UNDER UCC 3-601, 3-603, 3-604. I EXPECT Bank of America ACT IN AN OBLIGATION OF GOOD FAITH FOR THESE COMMERCIAL CODE REQUESTS UNDER UCC 1-304. BANK OF AMERICA TRAVEL REWARDS VISA SIGNATURE CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now been passed off to 6 different people concerning my XXXX XXXX credit card. Unannounced to me the credit card was sold off to a comenity bank. It was not until I went to pay for my account that I noticed it was gone from the dropdown menu. I called the number on the back of my XXXX credit card. The number rang to a CSR at this comenity bank and they explained the situation. I made whatever payment was asked of me at the time and was never informed the credit card was delinquent. It is from this point on that this account has continued to spiral downward!! The account has been locked out and the information being requested can be verified through the XXXX and credit bureau and yet I am being forced to send information about my new address. I have also learned that nobody can access my account at this comenity bank because it is locked out ( which makes no sense whatsoever to me that nobody can access this account to help resolve the issue ). I have learned the account is being reported delinquent and comenity bank says to speak to XXXX on this matter and XXXX says to speak to comenity bank on this matter. I am an elderly XXXX person who has worked hard all his life to maintain a near-perfect credit score to just have XXXX and this new bank comenity ruin it. The last CSR with which I spoke at comenity bank had such a condescending attitude even after I reported that I had the banking commissioner on the other line filing a complaint. I received NO information on this conversion which each bank blames the other for. With what is going on in the world today these banks should not be permitted to abuse the consumer in such a manner. I wish to get this resolved for I can not even make a payment on this account because I lack the needed information in which to do so. I am also going to make this same complaint under your credit card tab. I thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new car and these items wont get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I became aware of possible compromises to my credit report. I ran the usual inquiries to the 3 agencies. 2 of which i encountered problems accessing my free credit report due to false info existing on them. I had to fax in personal information to both agencies to receive my free report via US mail. One company has followed through, and i was able to access my report. Equifax however has failed  to comply. I faxed all information requested on XX/XX/XXXX to phone number XXXX. I still have not received anything by mail. I try to access my report online, and none of the wrong information has been corrected so I am still unable to do so. Today, XX/XX/XXXX, I attempted to call again, and i was told the systems are being updated, and to call back later. This is what they tell me every time I call or after over 2 hours of waiting I simply give up because I have other things I have to do.I travel year round so finding the time to get these issues fixed is a monumental task.
Product: Checking or savings account

I have been a Chase CC customer for over a decade plus and I created a new checking and savings account after several mailers from Chase that talked about a {$600.00} bonus. I opened the accounts and changed my direct deposit and transferred {$15000.00} into the newly created savings account on XX/XX/XXXX. I had no indication that anything was wrong. I received no emails, no texts, no notification on my chase apps that anything was wrong. On XX/XX/XXXX, I received a letter in the mail that the account had been flagged for fraud. I called in immediately and the help desk said that because I had not contacted them in time, the checking account was closed and the savings account, which had XXXX XXXX in it, was about to be closed. They then got on the phone with the bank that the XXXX XXXX  transfer was coming from ( XXXX ) and verified, with me on the phone, that the transfer was legitimate. This was after we manually added the other account to chase earlier in the month, using their micro deposit verification. There should have been no issues with verification. The CSR then said there was nothing that they could do regarding the closure as it was already in process and then on XX/XX/XXXX, they closed out the account. The CSR also confirmed that they had not reached out to me in any fashion other than the letter, which was recieved after Chase already started the closure process. There was no explanation as to why the bank didn't use any of the many other methods they had to contact me. Methods that they regularly use, almost daily, to send me marketing emails, texts and notifications. 
As of today, XX/XX/XXXX, I still have not received a check or my funds back. 
As an additional slap in the face, I did receive an envelope from Chase today ( XX/XX/XXXX ) but it was a paper copy of a statement showing that my account had been closed on XX/XX/XXXX and that the balance was XXXX.
Product: Credit reporting or other personal consumer reports

Amount : {$470.00}. Please see attached for proof of claim.

15 U.S. Code 1666b - Timing of payments U.S. Code XXXX XXXX XXXX XXXX XXXXXXXX is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XXXX XXXX XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX XXXX, 123 Stat. 2998. )
Product: Credit card or prepaid card

I had a charge on my credit card for a large amount of money back in XX/XX/2020. It was for {$4400.00}. I and my husband are the only authorized users of the card and neither of us made this charge/purchase. My husband very rarely uses the card.The only info attached to this charge was that It was to a XXXX account with a very strange name and a phone number in CA.I don't even have a XXXX account and nor does my husband. I filed a fraud claim with the credit card company. They denied the claim. I then filed a police report on the fraudulent charge and appealed to the credit card company and after 2 months they denied my claim again saying that even though i did not personally make the charges they confirmed that an authorized user of the card had. They gave me no information on how they " confirmed '' this. They didn't even tell me who the merchant was. No one was given permission to use my card for this charge. I absolutely do not want to be responsible for this charge.