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

I have inaccurate information on my report that needs to be removed immediately. The credit bureaus keep disrespecting the laws and practicing unfair. I showed them on several occasions that they are violating areas of the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify and delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus don't have my written permission According to 15 USC 1681 I HAVE THE RIGHT TO PRIVACY THERE ARE NO SUCH THINGS AS LATE PAYMENTS ACCORDING TO 15 USC1666b ( Remove any late payments reporting ) According to 15 USC 1681s- 2 : 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

These accounts are incorrect and needs to be removed from all credit bureaus IMMEDIATELY : XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( NOT MY ACCOUNT ) XXXX XXXX ACCOUNT : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, GA XXXX XXXX NEVER XXXX AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( NEVER XXXX AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, SC XXXX ( NEVER XXXX XXXX THIS ADDRESS XXXX XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX NEVER LIVED AT THIS ADDRESS ) ( XXXX ) XXXX ( NOT MY XXXX NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) XXXX XXXX ( REMOVE ) XXXX ( REMOVE ) MEDAC ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  ( REMOVE ) I have attached reports that needs to be corrected. I have requested reports from XXXX but they fail to comply. 

Remove all addresses reporting on my credit profile except XXXX XXXX XXXX XXXX XXXX Ga XXXX. No other address should be listed. They aren't mine. Delete all phone numbers from my report except XXXX. Delete all employment history as it is inaccurate.
Product: Credit reporting

In its " Explanation of closure '' for Case number : XXXX on XXXX/XXXX/2016, Equifax stated that " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX Bank XXXX account number XXXX has been verified as reported with your Name, Social Security Number and Current Address to be correct as reported on the credit file. Equifax can not take any further action at this time. Please contact the Data Furnisher directly at XXXX XXXX XXXX XXXX to request copies of the documents they provided for verification of the account. Written confirmation has been mailed to you. '' In its " Response '' to Case number : XXXX Equifax further states, " Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. '' A copy of the results of Equifax 's reinvestigation are attached ( " Results '' ). 

Although XXXX XXXX immediately removed the account when it received a copy of the court judgment, Equifax failed to do a reasonable investigation and remove the incorrect account information. Because of this, I am requesting copies of any and all documents or data provided by XXXX XXXX to Equifax between XXXX XXXX, 2016 and the filing of this Complaint. 

Please provide me : 1. Any and all records related to its investigation of my dispute, including all communications ( such as XXXX. ) between Equifax and XXXX XXXX. Including any and all documentation relied on by Equifax to ignore a court judgment in my favor on the alleged XXXX XXXX account ( if such information exists ). 
2. Immediate and permanent removal of XXXX XXXX account # XXXX XXXX XXXX XXXX from my credit file. 
3. A copy of my complete corrected credit file - not just a credit report, the *complete* file. 

Please note that eventually XXXX XXXX responded to my CFPB complaint by removing the alleged debt from my credit file. See attached letter. ( " XXXX XXXX Letter '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items remaining passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I attempted to transfer all my money out of HSBC early this year following their plan to cease personal banking business in the US. My account got suspended when I tried to transfer the money to my account at another bank for no reason. After repeatedly calling HSBC for resolution, someone from Fraud department instructed me to email them an empty check or a statement to verify my ownership of my account at another bank. I sent them the required information promptly in XXXX. It has been over 2 months and it has been radio silence on the XXXX side and my money remains frozen for no reason. XXXX 's conduct has caused unnecessary financial distress for me and my family. The fact that XXXX made no attempt to communicate, provide notice, or provide any update on the issue is stunning. This level of customer treatment is a such violation to a whole host of CFPB consumer protection rules and UDAAP. I also wonder if such a treatment is as a result of my race and origin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

On XX/XX/year>, my Chase reserve card ( I paid {$550.00} annual fee, which includes fraud protection ) was charged a fraudulent amount of {$190.00} by XXXX. We ordered one Smart Garage Door Opener on XXXX for {$190.00} and paid the entire balance with the XXXX gift card and XXXX credit card ( {$150.00} with our XXXX gift card and {$40.00} with the XXXX credit card ). However, XXXX also charged us another {$190.00} on the Chase credit card. As a result, we were charged twice for one product. In XXXX, we called XXXX four times to dispute this charge, and XXXX mentioned that the charge on the Chase credit card was not from our XXXX account and could not further assist with this issue. They recommended that we dispute this fraudulent charge with our credit card company. 

On XX/XX/year>, we submitted the claim to Chase along with all supporting documents ( including Chase bank statements, XXXX purchase receipts, and all other supports to prove the fraudulent charge ). We requested a call back/follow up from Chase should there be any more information needed. However, we were not contacted and we did not receive any refund. We decided to call Chase on XX/XX/year> to follow up. We were told that there's not enough support provided and the claim was rejected. We have provided everything. Chase went ahead and closed the claim without letting us know and refused to reopen this claim. We have called and spoke with multiple Chase representatives on this and have exhausted everything we can do, but Chase has refused to respond to our request. We need help and protection as every day consumers.
Product: Credit reporting or other personal consumer reports

I have filed disputes with Experian XXXX, XXXX, and XXXX for the incorrect account balance and status on my XXXX XXXX XXXX XXXX XXXX accounts in the amounts of {$3900.00}, {$5000.00}, {$7000.00}, {$7400.00}, {$8200.00}, and {$8000.00}. My XXXX student loans were transferred to XXXX and forgiven under the PSLF program on XXXX. I have sent Experian documents showing my forgiveness letter and my balance with XXXX is {$0.00} after being paid in full, and being transferred to XXXX, they have yet to correct it. I called XXXX directly to have them send updated information which they did. I have the letter from XXXX stating they sent the updated information to Experian. Experian have yet to correct my XXXX XXXX XXXX XXXX student loan balances to {$0.00} and correct my account status to closed/ transfered.
Product: Credit reporting, credit repair services, or other personal consumer reports

DRive time inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX All on my credit I have never applied from these companies
Product: Debt collection

XX/XX/2022 I received a letter from a company called ARS National Services Inc. stating that this was an attempt to collect a debt for XXXX. I replied with a validation letter on XX/XX/2022, asking that the company please provide me with validly giving them 30 days from when they received the letter. ARS National replied XX/XX/2022 not taking the full 30 days to investigate they replied with the same settlement letter they sent before giving me 3 options to choose from. I then replied back with a failure to validate letter asking that they please provide validly within 15 days of them receiving the letter. They still have failed to provide me with validly so they are agreeing that this debt is false and I would like this removed from my credit report.
Product: Mortgage

My client is XXXX XXXX the daughter to XXXX XXXX. XXXX XXXX is responsible for the payment of mortgage. She has a financial hardship in that she had lost her job and her unemployment had expired. My office is preforming a short sale and the property has been listed. There is a residential listing agreement. There was a deed that needed to record from XXXX to XXXX to correct a title issue. XXXX XXXX would not execute the Deed per title requirements as XXXX XXXX had failed to hold up an end of the agreement. I have mitigated this situation and now XXXX XXXX has executed the Deed. We have the deed to complete the transaction and is being recorded concurrently when we close. Title is opened with XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

I have previously requested validation of this debt under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2 ( b ).
Product: Credit reporting

I moved into XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2013, with the rent of XXXX a month. My income begin to change and advise the property management XXXX XXXX XXXX of this. I advised that i would need to find a way to work out paying my rent each month, this was 4 mths after moving into the home. They did not want to work out a deal money wise and took advantage of my financial shortcomings and charged me {$2900.00} in late-fees, placed an eviction behind my name that was thrown out by the court, and also was had me placed with a property manager XXXX XXXX that was very mean displayed racism to me every-time i called. an spoke to XXXX XXXX who advised me that as long as someone moved into the home after me and took over the lease i would not be responsible for the rent. I moved out in XXXX and another couple took over the lease the next month. They were not only staying in the home the month of XXXX 2013, but they also were using my gas service ( XXXX ) and i was unaware until i receive a {$600.00} bill. I should only be responsible for 1 months rent and partial amount of latefees, as these late-fees are very prosperous. I was also charged with cleaning the home, and the home was clean, and their was nothing broken because i made sure to clean and spot check the home. I feel that in part this remainder debt {$5800.00} debt belongs to the people that leased this home to after me and destroyed their property. I also have eviction on my name that is false, they served a eviction in XXXX, and lost the eviction in court due to illegal eviction, could not prove case and payment was made and accepted. The home owner was charged {$250.00} for not showing up in court and providing evidence for claim, which he tried to make me pay and have also listed it on this fee sheet {$100.00}. I wish for this to be removed from my name as this is an illegal eviction. I was not evicted i moved out of the property due to financial difficulties and was allowed to do this by XXXX XXXX owner of XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2023, someone made a purchase at XXXX 's XXXX XXXX, a cosmetics store, for {$240.00}. This should have been impossible as I was not physically at the store, or in the area, and my credit card was on me. When I called the store, they said someone came into the store and made a purchase with a physical card, so they must have cloned my card somehow. 

I immediately contacted my credit card company, Chase, and they cancelled my card and sent me a new one while they investigated. Today, XX/XX/2023, I received a letter from Chase saying they investigated and are denying my fraud claim because " You received benefit from this transaction. '' I have never shopped at XXXX 's XXXX 's XXXX. As a single male, I have never purchased cosmetics for myself or for anyone else. It's baffling that someone thinks I would inconvenience myself for the sake of {$240.00} in cosmetics, as I had to cancel and updated all of my online payments. 

I would very much appreciate your help in resolving this with reason. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

personal information iis incorrect and soes not not bwlong on my credit report names : XXXX XXXX ( incorrect ), XXXX XXXX XXXX ( incorrect ) only correct name is XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX, MA XXXX ( incorrect ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX incorrect ), XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX incorrect XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( incorrect ), XXXX XXXX XXXX XXXX XXXX, FL XXXX ( incorrect ) all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or have XXXX  belonged to me.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) ( 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: Mortgage

Wells Fargo Home Mortgage sold my mortgage to XXXX XXXX aka XXXX in XXXX. When Wells Fargo Home Mortgage sold the mortgage to XXXX aka XXXX, there was an assignment of mortgage that mysteriously appeared in the county records. The mortgage was never assigned to Wells Fargo Home Mortgage. The assignment of mortgage that appeared was allegedly executed on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX. was the assignee. This document was not recorded in the XXXX County records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX. The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to Wells Fargo ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with Wells Fargo and there was never an assignment of mortgage made from XXXX to Wells Fargo. When this document was recorded, XXXX fully purchased the loan from Wells Fargo. This assignment of mortgage is a fabricated document. Wells Fargo admits there was a purchase made of my mortgage by XXXX but is refusing to provide me with any documentation. Wells Fargo Home Mortgage is stating the information I am requesting is confidential, privileged and or proprietary information of Wells Fargo. In the state of Florida this is a public record and as such, was supposed to be recorded in the county records. According to Wells Fargo Home Mortgages own records, this loan was " paid in full '' in XXXX. There are XXXX DIFFERENT companies involved on XXXX assignment of mortgage. It is extremely clear that this is not a valid document.
Product: Vehicle loan or lease

I purchase the loan from westlake financial for {$13000.00} with a term of 48 months i been constantly making payment each month without missing any payments. I brought the XXXXXXXX XXXX XXXX on XX/XX/XXXX from del-auto, then i request for a payments history on my account it showing that some of my payments showing undefined, one dollar been deducted from the balance which remain the same after 31/2 years of contract payments, also my account show that the agency XXXX that was drafted out of my account that wasn't apply to my account balance. when i tried to contacted customer service or a manager there were no responds to this matter. My income is one a month SSA, during the COVID-19 westlake financial would not help any of their customer doing that difficulty time. so the amount of payments has a error with the incorrect balance that i begin when i first purchase the car for that price. so westlake finanacial sent a towing company call quick assess recovery who vadil, damage, missing personnal items from my car when they reprossess for one month of missed payment. I have all my documents showing the payment that was drafted and never apply to my account. i feel that this matter need to be address or investigate. I appreciate if you look into this situation fully. westlake financial XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX or XXXX customer service my name XXXX XXXX account # XXXX email adressed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius Global Solutions LLC, I've tried on several occasions to settle the debt on with XXXX, XXXX XXXX, and I've been lied to, intimidated, threaten, mislead, and consistently harassed. When I tried to pay the debt, I consistently asked for a website to pay the debt and have some kind of paper trail. When they finally conceded, they gave me a website that had been shut down by the federal government for suspicious debt collecting practices. This shady behavior continued. They called my parents, lied about who they are, used 12 different phone numbers, left multiple voicemails, and called after I had asked them to put me on a do not call list. Lastly, I tried to settle the debt and pay it off. A number of complications occurred when they tried to deny the settlement payment to get me to pay the full amount. 

I've tried all different avenues to settle this and have had no success. They constantly change their terms, fail to abide by their own rules as stated in the faxes sent to me, and have even hung up on me while I try to pay the balance. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency has not corrected the information on my file. They have names that show that they are not my correct names and never have been. also have incorrect work employment information. 

I want it corrected. The following information is Incorrect and needs to be deleted XXXX. XXXX XXXX XXXX XXXX XXXX DELET PLEASE NEVER BEEN MY NAME XXXX XXXX XXXX DELET PLEASE NEVER BEEN MY NAME XXXXXXXX XXXX XXXXy- DELET PLEASE NEVER BEEN MY NAME XXXXXXXX XXXX- not my employment XXXX XXXX XXXX XXXX - not my employment
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF ED / XXXX account # XXXX, DEPT OF ED / XXXX account # XXXX, DEPT OF ED / XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Sections : It also stated a consumer reporting agency can not furnish an account with put my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for purpose.