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

I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX I did not sign any paperwork. 
or have any type of agreement with Debt Recovery Solutions. I have recently been made aware that my identity was used. 
around the same time frame. I have not lived at the address since. 2002. I gave never used my credit or had much knowledge of credit until I recently got a car. I have contacted this company Debt Recovery Solutions.. Only thing they tell me is that information is verified, they would not tell me the means and methods they were able to verify, they also initially tried to not give me contact information of the original creditor. Unless they are able to provide more information or any reported communications, they had with me or sign documents this needs to be remove from my account.to prevent further action to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

consumer attempted to resolve this dispute with TRANSUNION. TRANSUNION continues to furnish inaccurate information on my consumer report. TRANSUNION is being willful and negligent noncompliant with federal law with their reporting
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : You are furnishing inaccurate and outdated personal information on my consumer report. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX You are furnishing XXXX Addresses on my consumer report Delete the below outdated and inaccurate address from my consumer report. I can not receive any mail or legal correspondence from the below address, this information is being reported as my address and that is inaccurate and outdated. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

3. My only Phone number is XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employment section. I do not work or have any affiliation with these companies. 
This information is inaccurate. XXXX XXXX XXXX  Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 USC 1681e ( b ) ( 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 whom the report relates. XXXX v. Experian Information Solutions , Inc . The Bureau and the FTC filed an amicus brief with the XXXX XXXX XXXX XXXX for the XXXX XXXX arguing that the Fair Credit Reporting Acts requirement that consumer reporting companies investigate consume
Product: Credit card or prepaid card

Chase small business credit card account received letter that they will be closing account when the card expires ...
Product: Vehicle loan or lease

I reaffirmed an auto loan with Wells Fargo XXXX XXXX after filling XXXXXXXX XXXX in XX/XX/XXXX. I continued making all of the loan payments on time every month. However, Wells Fargo still removed my auto loan from my credit report and said they would report the loan again to the bureaus once it was paid off. 

I paid off the loan a year ago in XX/XX/XXXX and submitted a request to have the tradeline added back. Wells Fargo sent me a letter which states that they " asked '' the bureaus to add the tradeline back. However, that doesn't seem to be true. I've followed up several times with Wells Fargo and the three main credit bureaus. Wells Fargo tells me they reported the loan but all three main credit bureaus tell me they haven't received any communication from WF Dealer Services on my behalf. 

In XX/XX/XXXX I decided to check my XXXX report and found an old WF Dealer Service record which was missing data from XX/XX/XXXX through XX/XX/XXXX. So I submitted a dispute through XXXX on XX/XX/XXXX to have the missing months updated. Then the record disappeared entirely. I called XXXX and spoke with an agent who said Wells Fargo 's response to the dispute was to delete the record entirely. 

I'm baffled at why Wells Fargo would tell me they've tried to add the tradeline back and then also delete the only record remaining. 

I've been dealing with this issue for 11 months and I'm getting no where. I'm desperately trying to improve my XXXX XXXX and I really need this loan to be reported on my credit history. 

XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Record was deleted by Wells Fargo on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Report negatively and incorrectly on my XXXX and trusting credit report.However, on my XXXX report it shows accurate information. For example XXXX shows XXXX XXXX  left to pay, inn good standard, and 95 % payments on time. But on my trans union it negatively shows payed off XXXX XXXX XXXX XXXX payments on time supposed to show XXXX XXXX payments on time.Also indicates says 120-149 days late. As on the XXXX says on time XXXX XXXX I have contacted XXXX XXXX  and trans union in regards to this inaccurate manner on multiple occasions, in regards of this inaccurate reporting information on my trans union. However, this information has not been changed or updated since XX/XX/year>.
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus failed to resolve consumer disputes, not ensuring accuracy of credit reports.
Product: Credit reporting or other personal consumer reports

My right to privacy is being infringed upon by XXXX  XXXX XXXX. This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX XXXX XXXX after I have instructed them to cease in doing so via an opt-out notice.
Product: Credit reporting or other personal consumer reports

My address is in correct on my credit report. Its showing XXXX XXXX XXXX XXXX XXXX, PA XXXX but I never lived there and my correct address is XXXX XXXX XXXX, XXXX Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax keeps stating information is verified as accurate. I want XXXX and Equifax to send the Method of Verification, who did they verify Bankruptcy with, I want name of person spoken with, address, phone number, agency and where did they SPECIFICALLY get verification information according to the FCRA guidelines. They are not being truthful. Can they provide a statement of penalty of perjury they followed FCRA guidelines to verify information.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an identity theft issue associated with my name and personal information. First and foremost, my first concern Is Reporting 15 U.S. Code 1681b - Permissible purposes of consumer reports that has resulted in identity theft through XXXX  DATA BREACH AND DARK WEB DATA BREACH. Per 15 U.S.Code 1681c ( 2 ) ( 3 ) and ( 4 ) your agency shall block the reporting information in my file no later than 4 business days after the date of receipt by such agency. To ensure the integrity of my credit report and to protect myself from further fraudulent activities, I request that you immediately remove any records or information related to this identity theft from my credit file. This includes, but is not limited to, any accounts or inquiries that were created because of the fraud.
Product: Money transfer, virtual currency, or money service

In the month of XX/XX/2019 I experience approximately {$15000.00} being transferred from one of my accounts in three increments of just under {$5000.00} each, to what by all appearances was a legitimate company. ( XXXX XXXX ) I've come to understand having had several conversations with Citizens Bank, that any entity posing as a legitimate company who has access to your account number and bank routing number ( which appears on every check you write! ) can pull off this scam. 

The perpetrator begins by sending small deposits to the account followed by major withdrawals, typically starting the next day. 

The bank has refunded the monetary losses but certainly not paid for my time or aggravation. ( New checks, account overdrafts, payroll withdrawal reestablishment, etc. ) In my discussions with the bank, I have learned that they have security tools to prevent this type of fraud. The outrageous absurdity is that they want to charge me for these tools! 

How is it that XXXX can tell me when anybody is attempting to access my account and the bank can transfer funds without a word? 

I have been led to believe that this is common practice for banks in general. If so, this needs to be addressed!!
Product: Mortgage

Good Morning, Here is the story of where I am now with Carrington Mortgage and why I am submitting a complaint. 

I was granted a 3 month forbearance period which started on XXXX XXXX with Carrington mortgage due to the Corona Virus. I was notified of this decision by mail with a letter dated XX/XX/20. This letter stated that " you will not be required to make a monthly payment for 3 consecutive months ''. It all also stated " By accepting this forbearance plan, you are affirming that you have been personally impacted by the Covid 19 '' and " Acceptance of this plan is defined by not making payments during the forbearance period ''. 

I received a second letter dated XX/XX/20 telling me I needed to submit some financial documents by no later than XX/XX/20 to Carrington to see what type of repayment plan they can offer me. I faxed over all the required documents on XX/XX/20. They confirmed receipt of the paperwork by sending me a letter dated XX/XX/20. 

I called them today, XX/XX/20, to see if I could set up some payments to get caught up on my account and they are telling me that they will not accept anything but the past due amount paid in full. How do they expect me to have 3 months of payments when I am really just getting back to a full time work day due to the Covid-19? 

After being transferred 4 times I finally got a Carrington Mortgage supervisor on the phone and he wants me to resubmit all my paperwork on XX/XX/20 so they can re-evaluate the application. He said that since I submitted an application for mortgage assistance that it cancels the forbearance plan putting my mortgage 3 months behind even though Carrington requested the documents. 

I also spoke to a housing counselor who told me that this is happening all across America. Please don't let these banks ruin America. It time for the little guy to win one. 

P.S. I do have copies of all the correspondence between Carrington and myself if needed. 

Hoping for help
Product: Credit reporting or other personal consumer reports

The order was placed with XXXX I applied for credit with them to purchase a XXXX '' fridge I did not know it was going to come in pieces unit the order was placed. Which is not what I wanted. 
On XXXX I called before placing the order to ensure the item was instock. 
On XXXX the order was placed. 3 days later i was informed it was backordered. I begain paying for the fridge prior to it be delivered. On XX/XX/XXXX, XXXX a fridge was delivered. I informed the company the wronge item was sent and they needed to come back for it. They tried to send 2 more fridges all of them were rejected used and damaged. I have video recording of them being returned and rejected. I insturcted I wanted my monies back and they refused. The company ended up going bankrupt before a soultion was processed. I opened a case with XXXX XXXX and they rejected my claim saying I was fully responsible for a fridge that was never received. I have phone numbers and statements of the delivery drivers that took back the products. I tried to supply these videos to XXXX XXXX but they did not give me a means to send them. I even offered to have them loaded to a cd and mail. I was met with no response. Recently in XXXX they begain to charge me again. I was in the process of purchasing a home and have been denied due to the late payments. I was selling the house that the fridge was purchased for. I had to buy another fridge as the one purchased from applianceconnection.com was never fully delivered. 

It would not allow me to upload the full video ( XXXX ) so i took screenshots. I am willing to mail these in a thumb drive.
Product: Credit reporting or other personal consumer reports

I am a small business owner, I have disputed the discrepancies on my credit report for over 10 years with very little success. I have used each agencies platform and their platforms tools that are provided to correct this information but to no avail. I am requesting that the Consumer Financial Protection Bureau investigate all three consumer reporting agencies XXXX, XXXX, and Equifax on my behalf. The current discrepancies and inaccurate personal information is causing substantial damage to my credit history and impeding my ability to obtain new personal credit as well as business credit. XXXX, XXXX, and Equifax are in violation of the Fair Credit Reporting Act. Specifically 15 U.S.C. 1681s-2 under the Fair Credit Reporting Act ( FCRA ). This section of the law outlines the responsibilities of those who furnish information to consumer reporting agencies ( credit bureaus ) and sets the legal obligations for ensuring the accuracy of the data they provide. I have made nine Consumer Financial Protection Bureau complaints in total on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year> for Credit reporting and Improper use of my credit report. I request that all derogatory and negative information be removed from my consumer report. According to the Fair Credit Reporting Act it is XXXX, XXXX, and Equifax 's Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) : Furnishers of information have a duty not to report information they know, or have reasonable cause to believe, is inaccurate.

If the accuracy of information is disputed by a consumer, the furnisher must correct, update, or delete any inaccurate information after an investigation.

Duty to Correct and Update Information ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must update or correct any information they find to be inaccurate, incomplete, or that needs to be updated, in order to maintain the integrity of consumer reports. 

Duty to Investigate Disputed Information ( 15 U.S.C. 1681s-2 ( b ) ) : Upon receiving a notice of dispute from a credit reporting agency , the furnisher must : Conduct an investigation regarding the disputed information.

Review all relevant information provided by the agency.

Report the results of the investigation to the credit reporting agency.

Correct or delete any information found to be inaccurate or incomplete as a result of the investigation.

The FCRA has established the legal grounds for consumers to dispute and rectify inaccurate credit reporting data. Private Right of Action : Under 15 U.S.C. 1681s-2 ( b ), consumers can bring legal action against furnishers who fail to comply with their investigation and correction duties once a dispute is raised with a credit reporting agency. However, consumers can not sue furnishers directly for failing to provide accurate information under 15 U.S.C. 1681s-2 ( a ) ; only state and federal agencies, like the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ), can enforce that part of the law.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX FRANKLIN COLLECTION SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FRANKLIN COLLECTION SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. Village capital honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to Village Capital about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to XXXX  and XXXX  12 missed or late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several disputes to XXXX, XXXX XXXX and the 3 credit bureaus regarding some lates they reported on my credit. I requested deferments with the creditors and they agreed and said they would not report me late. These all occurred during Covid when I was affected by the pandemic. I am asking due to the Cares act that you please help assist me with getting the creditors or bureaus to remove the lates they reported that have caused my scores to drop over 100 points.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 LVNV FUNDING LLC. XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reaD. They never verify. I did send them letters they didnt respond.