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

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Name - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

XXXX XXXX XXXX  - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Debt collection

Westlake repossessed my vehicle in XX/XX/XXXX, after theyd illegally taken over a vehicle contract I had with USAuto Sales in XX/XX/XXXX. They are reporting to all credit bureaus the last payment I made to them was on XX/XX/XXXX in the amount of {$5200.00}, which is absolutely false! Westlake originally reported the Account as charged off. {$13000.00} and then on XX/XX/XXXX written off. {$8500.00} past due as of XXXX XXXX. I called Westlake today, XX/XX/XXXX to ask how the {$5200.00} payment was made, since I absolutely not, and spoke with XXXX from the chargeoff dept around XXXX, in which he advised the vehicle that theyd previously repossessed from me in XX/XX/XXXX, was sold in an auction in the amount of {$5200.00}, finally asking if Id like to clear the remaining past due balance of {$8500.00}. I proceeded to inform him that reporting such false and inaccurate information is a violation of my consumer credit reporting rights by reporting false payment dates, amounts, and inaccurate balances Ive made to them as a consumer, while continuing to report negative information about the property they sold and no longer have rights. I asked that they remove themselves from my credit report, and XXXX advised that I email their disputes department to find a resolution. Ive disputed inaccuracies to ask the credit bureaus, only for them to continue to advise that Westlake is reporting accurate information, ultimately closing, yet another one of the many disputes Ive submitted to all three bureaus these past 6 months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XX/XX/XXXX I am writing to formally dispute the inclusion of bankruptcy information on my credit profile maintained by LCI. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports. According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452.

The specific details of the bankruptcy in question are as follows : Case Number : XXXX Filing Date : XX/XX/XXXX Type of Bankruptcy : XXXX XXXX Court Jurisdiction : XXXX XXXX XXXX XXXX XXXXXXXX Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with XXXX. The presence of this information is a violation of federal law, and I expect that XXXX will promptly address and correct this matter. 

Please confirm in writing that you have received this dispute and provide me with the results of your investigation and any actions taken to correct the inaccurate information on my credit report within 15 days of receiving this message.
Product: Debt collection

I have contacted them by telephone and submitted several times of disputes on credit report exsplain I was a victim of idienty theft before the hard inquiry was removed from my credit report but the collection still remains and the XXXX XXXX is a debt collector agency and has not yet contact me with
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Suntrust Mortgage. In XXXX my payment went up {$1000.00} and i called them and was not late on payments or anything just {$1000.00} more was way to much for me to afford advised that is to much that i can not pay XXXX more so they did a Morgt modification. and advised that starting XXXX i would need to pay {$1900.00} for three months then it would stay at the amount. I payed every month on time even XXXX the same amount. Unfortunately, on XX/XX/XXXX I got into a bad accident and my car was totaled. I started to look for a car and went through a dealer and applied for financing. The guy calls me and said my credit is low and why i have not paid my mortgage since XXXX. He told me without me telling him anything about modification and i ask where did he see that and said its on my credit and why my credit is so low. I told him that I never was late since XXXX and that they are doing a modification but never was i told it would affect my credit. He told me i needed a letter or something because that is bad. I pulled my own credit and indeed it said i was delinquent {$15000.00} even though i was doing modification and been paid on time ever since. I called Suntrust and i got the run around and mortgage department said my credit should have not been affected because i have a forbearance. I told them it does not show anything of forbearance and clearly says i am delinquent since XXXX in the amount of {$15000.00}. I kept getting the run around without being helped nor was getting a letter. They went to supervisor and same run around was given. They then transferred me to Suntrust Credit department in suntrust and that was a waste of time. They said they could not do anything even though i was not told credit was going to be affected nor they wanted to help me. Very disappointed because in a time of everything with the Coronavirus and in addition getting into a major accident they could not help me and pretty much hung up on me to get me off the phone because did not want to help me. Now I need to get a car because my car is now totaled and because of the Mortg reporting that it is delinquent since XX/XX/2020 in the amount of {$15000.00} even though I have adhered to everything they said and never was late with the payments as said in credit report i can get a car. I'm so disappointed and with coronavirus issues, this accident i am very distraught and please need your help to clear my credit to not reflect late since XXXX when i really was not. Please help, really need your help. Thank you in advance for all your help. Stay safe. Regards, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We received an {$800.00} check for wrongful foreclosure during the government order but never received the compensation that was court order in the lawsuit. Wells Fargo denied loan modification and independent adjusted said we did under class action lawsuit we still have the paperwork we got with check. Wells Fargo decided not to honor settlement saying they thought they were right
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and found inaccurate items on my consumer report. The following items are XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX INACCURATE NAMES, AND ADDRESS.
Product: Credit reporting or other personal consumer reports

This is my fifth 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, TX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXXXXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX I sold the property that the mortgage is for. It is now XX/XX/XXXX and I have still not received an escrow refund check for over {$1000.00}. 
I reached out to the mortgage servicer, PHH mortgage, and they informed me that PHH does escrow refunds in 'batches ' and it is likely that my batch had not been processed yet. It is my understanding that mortgage servicer 's have 20 business days to refund escrow accounts, and I am now at nearly 40 business days.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any knowledge on this matter, and the company proceeded without my authorization.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2024 I was hit with a charge for XXXX on my XXXX account. So what I did was put in a claim with the bank because I did not want them to charge this account and I went and talked to MoneyLion. They said that they would move the payment to the XXXX and use the bank account that I told them to use which was the XXXX account. and they put this in place and I was able to take a little bit more money out which I did. It was an extra {$75.00}. And then I get a reversal from the bank saying that they had proof that we were supposed to pay with the XXXX account. I told XXXX I have proof that we talked about it and that it was switched for a different day and a different account, but XXXX also refused to work with me on the claim and told me I had to talk to MoneyLion. Ive been trying to talk to MoneyLion for a long time, but every time they keep changing their story, they keep lying to me or the bank. I talk to them they said the bank never gave them the money. I keep calling them. I keep showing them the proof that I got from the bank now theyre telling me I need to do a three-way call. They just keep coming up with excuses every time I keep giving them the proof that they told me to do from the last time they told me. ive never had a problem like this before. im not sure if this is a scam or what is going on, but they keep throwing me around in circles and being rude to me when XXXX just trying to figure this out. Also, I look at my history and I dont even owe them the amount that they are trying to take out. Because when I look at how much money I took out, I actually only owe them {$400.00} so XXXX not sure where that extra money is coming from.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account XXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX  account XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX account XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Debt or credit management

XX/XX/year> Subject : CFPB to take off negative score. To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, Account Resolution Services add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting or other personal consumer reports

They started reporting my account inaccurately about 2 months ago. I voluntarily surrendered the vehicle. And this was not impacting my credit score enough, so it appears that they tried to change the report to foreclosure repossession. This is fraudulent activity. It is clearly in the files that I voluntarily surrendered the vehicle and it changed 2 months ago. Please explain why the Credit Reporting Agencies never picked up this fraudulent report. See attachment because they are all reporting differently. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I was given a high interest loan for an overpriced vehicle. The dealership also added an impractical cosmetic coverage plan that I haven't used. The company I financed through doesnt offer refinancing. I have been unable to refinance through other sources due to the vehicles age, and the vehicles value decreasing at a rate faster than what my loan balance has decreased. I currently owe nearly {$4000.00} more on my loan than what the vehicle is valued. Im unable to view my contract online or get info from the phone number provided. I was told I would be able to refinance after getting my credit score up, which I have done, but unable to as mentioned before. My loan, started on XX/XX/2021, amount was {$21000.00}, payments {$560.00} a month, a XXXX XXXX XXXXXXXX, Ive made XXXX on time payments, and still have a balance of {$11000.00}. The dealership also had me sign a lemon law agreement, knowing that were issues with the vehicle that were not stated and/or understated in the vehicles history report.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment 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.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Product: Debt collection

Receivables performance has reported a collection on my credit bureaus. This was never communicated with me via mail, email or phone. I have never paid anything to this com company. However the final bill was already paid to the consumer XXXX XXXX also known as XXXX XXXX XXXXXXXX XXXX has requested for the trademark to be deleted from all three credit bureaus because it was never sent to me. I have disputed this with receivables performance multiple times and they continue to verify the debt. I have contacted them multiple times and they failed to respond appropriately.
Product: Credit card

Examine the enclosed documents. I request the bureau to commence an inquiry into these accounts where I have a spotless record, but they are inaccurately marking me as late.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

My father opened an account for me at Regions bank, to be able to send money to me effortlessly, and to learn money management. Fast forward to XXXX he ask for my account details, he planned on sending me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I give him the banking details, my account and routing number. The next day, he tells me hes sent the money, he got an email confirming this, and I should have gotten the deposit instantly. I never got it, and yet, the money is missing from his account. I call my bank, and they have no info to give me. His bank, XXXX XXXX, wont tell him anything regarding the matter, and they tell him the money was sent. Two weeks later, XXXX is still missing from his account, I still havent gotten a deposit, and nobody knows where this money disappeared to mysteriously. Might I add, this has happened to my father on other occasions, and its never enough money that he gets upset. This time around, I am upset considering I was supposed to be the one receiving it. Dont know what else to do or who to tell regarding this missing deposit of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been watching my credit report and my score inaccurate because my fico score showing XXXX XXXX but every site I got to credit karma or anybody its a lower score. And a bankruptcy is on my credit not suppose to be there at all.My XXXX not showing no Bankruptcy at all but XXXX and XXXX showing it with different inaccuracies information Im not familiar with and do not know of. I even have hard inquiries I did not do. Someone has stole my information a few years ago. And I file a police report and Im still going through a lot with some credit bureaus lying on me and showing inaccurate credit report. All three credit bureaus trying to ruined my life. I cant get anything.