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

To Whom It May Concern, I am writing to demand the immediate removal and blocking of fraudulent information on my consumer credit report. This demand is made under all applicable provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to FCRA XXXX ( 15 U.S.C. XXXX ), FCRA  XXXX ( 15 U.S.C. XXXXi ), FCRA XXXX, and any other relevant sections that protect my rights as a consumer. 
The information in question includes the following accounts and related inquiries that I did not open, authorize, or initiate, and which are the direct result of identity theft and fraud : Fraudulent closed accounts XXXX XXXX Bank XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX Banks XXXX XXXXXXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX Banks XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX Bank Opened on XX/XX/XXXX ( account number : XXXX ) XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX ( account number : XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX account number : XXXX ) Fraudulent collection accounts XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX account number : XXXX ) XXXX XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXXXXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) XXXX XXXX XXXX Opened on XX/XX/XXXX ( account number : XXXX ) Fraudulent hard inquiries XXXX XXXX  Bank XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Bank XXXX Inquiry date XX/XX/XXXXXXXX XXXX BankXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Via Dealer Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Via Dealer Inquiry date XX/XX/XXXX XXXX  XXXX Bank XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX In addition to the removal of the fraudulent entries , I demand that you immediately update my personal records to reflect my current, accurate information. This update must include : Name : PRIVATE Employer : PRIVATE ( eliminate all previous and outdated employers ) Address : PRIVATE ( eliminate all previous and outdated addresses that I am no longer associated with ) To verify my identity and support these changes, I have attached copies of my drivers license, utility bill, and Social Security card. Please note that the utility bill is provided specifically as proof of my current address since the address listed on my drivers license is outdated.
Product: Credit card

I have getting repeated calls all day and never leave a voicemail. VM length XXXX every single time. Im trying to catch up with things, but the harassment is ridiculous.
Product: Credit card or prepaid card

Joint account, other authorized user never paid balance. Account has been charged off please remove from all 3 bureaus. This is greatly impacting my credit score.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXXXXXX XXXX XXXX Reporting Practices under FCRA Dear CFPB, I am writing to formally submit a complaint regarding XXXXXXXX XXXX XXXX handling of my account, despite my communication regarding the impact of COVID-19 on my financial situation. I notified XXXX XXXX that I was affected by COVID-19 and arranged for a payment plan during this difficult period. However, XXXX XXXX has failed to properly update my account status in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this law, XXXX XXXX is required to provide accurate and timely updates to my credit report, which they have not done. I kindly request your assistance in ensuring that XXXX XXXX  corrects my account information and complies with FCRA regulations. Thank you for your attention to this matter. 

I was also a XXXX XXXX XXXX XXXX XXXX XXXX. during that time i suffered a XXXX and has COVID throught this 2 year term
Product: Credit card or prepaid card

Credit limit dropped purportedly due to not honoring or fulfilling the terms of stated contract. 
I am a long term customer of XXXX ( XXXX ). On XX/XX/XXXX, via XXXX XXXX, I learned that my credit limit on both of my accounts had been decreased to the actual balance owed on the card. On XX/XX/XXXX, I immediately inquired as to the reason ( s ) behind the decision which has detrimentally affected my credit history/score. Unfortunately, no representative of XXXX XXXX took this into consideration of which one representative, purportedly a manager, XXXX, readily admitted 'that they have no way of knowing what impact lowering a person 's credit limit will affect the score/credit rating. 'Sufficed to say, as a victim of identity theft and being XXXX  since XX/XX/XXXX, I know the impact this incident has done to my credit. Moreover, I have VERIFIABLE PROOF of how my credit has been affected by lowering my score. I received an alert from XXXX regarding my credit ; and sure enough when I viewed the alert, my score had been lowered and it had been reported that XXXX had lowered my credit. Also according to XXXX while continuously apologizing, she alleged that based on information in my credit report, 'they ' made the decision to lower the score. Apologies were not accepted for by no means were they sincere. Shortly thereafter, I spoke to another ( purported ) manager, XXXX, who alleged the credit was lowered due to my account being delinquent ( 3 ) months. She further stated, 'You agreed to pay your account on time and you failed to honor the agreement which you signed. ' This infuriated me even more for it was abundantly clear that NO consideration was or has been given for my years of loyalty as a customer of XXXX where I purchase all my clothing and some household items. Now, after reducing my credit limit, I am unable to buy anything at this point. Notwithstanding, in terms of my account, I also have Credit Protection whereby where it is alleged that I was delinquent, a claim was in place. Her response to me which was rather rude, insulting, and condescending to say the least : 'Any order to have your bill paid, you must first file a claim ... 'After that derogatory remark, the conversation continued to decline rapidly. Notwithstanding, my account has been handled several times with the Credit Protection. This was simply due to several ( brief ) periods of unemployment which ultimately led me to being XXXX. Now that my XXXX  is coming to an end, ( XX/XX/XXXX ), I have to contend with tarnished credit because XXXX doesn't deem me worthy of having credit and therefore deems the solution to further tarnish my credit. This is most unfair and discriminatory at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of EdXXXX XXXX, Dept Of Ed/XXXX XXXXXXXX XXXX Dept Of EdXXXX XXXX XXXX and Dept Of EdXXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I had 3 school loans for my kids during XXXX. I was late during XXXX but not afterwards. My son XXXX  from XXXX, went to the XXXX and paid off all loans in early XXXX. When it was paid, my account was incorrectly listed as 90 days late, which is incorrect. The late payment was in XXXX and by law, should have been removed from my credit report. I have been trying to resolve this matter with XXXX XXXX XXXX for over 2 years. The phone number and contact information for them is invalid... the phone number doesn't work. My letters are returned. Therefore, I can not reach anyone to get the matter resolved. It is very frustrating as the late payments are still impacting my credit score. I have also filed disputes with the 3 credit bureaus, only to have them " resolve '' the disputes in 2 days or less, yet they can not tell me who they are getting verified from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX FL XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2005 Balance : {$19000.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I'm very angry with Google llc as a whole on XX/XX/XXXX I was forced to make a switch to the new Google pay app for some odd reason.I made a new account and it wasn't even open for 30 minutes my account is already suspended as a receiving is for transaction which is bigger than the last three I'm trying to get to the bottom of the matter I'm dealing with rude prejudice Representatives that sound like they're from India.IM VERY SICK AND TIRED With prejudice behavior FROM Google : XXXX while trying TO SEE WHAT'S going on with MY Google I WAITED 6 DAYS already WHICH AT THE TIME I DIDN'T EVEN KNOW I WAS CONVERSING WITH GOOGLE XXXX AND NOT WITH THE REPRESENTATIVES IN AMERICA I FEEL LIKE MY PERSONAL INFORMATION IS BEING USED OVER THERE WITHOUT MY CONSENT OF ACKNOWLEDGMENT!!!! EVEN after submitting my documentations social security card ... id card and mail!!. I TOOK COUNTLESS SCREENSHOTS FROM MY G PAY ON WHAT I SEE I EVEN SENT A VIDEO TO Representatives & been getting NO WHERE BUT attitudes WHILE DEALING WITH REPRESENTATIVES WHO prolonging my time over the phone why they put me on hold FOR MORE THAN 65 MINS I come back to the phone like I wasn't waiting that long talking about he was speaking to a specialist when they never spoke to a specialist because why would specialistespecially tell you to tell me to cash out with the card that I have on file if my account is still suspended they wouldn't tell you that and leave my account suspended knowing that wouldn't work I'm tired of being told one thing and the other I'm tired going in circles .I 'm hungry I want my money so I can go to the grocery store and find something to eat. GOOGLE BEEN XXXX ME FOR A LONG 6 days now.. remember guys when I was telling you that this app is really from XXXX  and not America Don't believe me look at the screenshot where it sayS XXXX XXXX 50 % off I don't stay in XXXX. why is this app is in our store in America? if we don't have American things if we have a Google here why is Google XXXX app is over here in America in our USA XXXX I'VE NONE OF THOSE STORES OVER HERE IN AMERICA!!!!!!! hey trying to prolong me not getting this issue fixed so they can have my money that's in my account this seems very fishy to me it doesn't take long to verify my age and they starving me behind my age verification
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I have a negative or late payment with XXXX XXXX for my auto loan that was reaffirmed after my XXXX XXXX XXXX. I had disputed this account with Experian before because they reported it was included in my XXXX and the results of the dispute dropped my score and in the comments it says consumer disagrees and I was looking at my Experian report today XX/XX/XXXX and it shows a negative for my XXXX account on XXXX of XXXX but I have never been late and I tried to dispute the information that is now wrong and I am not able to. I have screenshots of the wrong information from Experian. I feel Experian has made inaccurate reports on my credit history and it is affecting my credit because I recently had a credit card company close my account that I had for almost 14 years with never a late or missed payment and they also said I was 120 days late but after contacting them they said I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card

I have asked Wells Fargo Credit Card to lower my interest rate or stop the interest rate, so that I can lower the principle balance.

Im dealing with hardship.

Im already in. Debt Consolidation Program and I dont want to add this Wells Fargo Credit card to the dept program, as well.

Its unfair the interest is way too high.

I never missed a payment and they said no when I asked for a lower rate.

Please help me so I dont turn this Wells Fargo credit into the debt program Causing losses for both parties. 

Thank you
Product: Payday loan, title loan, or personal loan

I had to take loan to help my family through rough times. I do want to pay it off as soon as possible but interest rate and payments every two weeks taking out of my checking account making it impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY name is XXXX XXXX XXXX, I live on XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXXXXXX, ca XXXX, I have one fraudulent account reporting on Experian, XXXX, XXXX, I never received the credit card from discover, account number is XXXX. 
I contacted XXXX on XX/XX/2015, and explained to them that I never applied for XXXX and never received the credit card, and asked them to remove it from my credit bureaus and I asked them to send me evidence that I used this card, but they refused to send me any documents to prove their merits.please contact the three credit company and block and delete this fraudulent account. This account was opened on XX/XX/2015, with fraudulent balance of {$2800.00}.
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 USC 1681. 

Name : XXXX XXXX XXXX Account : XXXX Amount : {$2600.00} I told Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Formal Dispute and Demand for Deletion of All Accounts - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, This letter serves as a formal dispute of any and all debts listed on my credit report under my name, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I hereby revoke any and all rights granted to you regarding my credit information. 

I am aware of the numerous legal actions taken against Experian, including the CFPB 's enforcement actions for sham investigations of credit report errors and the {$22.00} million class-action settlement regarding FCRA violations XXXX These actions highlight Experian 's systemic failures to comply with consumer protection laws. 

Specifically, I am disputing the following violations : FCRA Violations : I allege violations of 15 U.S.C. 1681s-2 ( b ) ( failure to conduct reasonable investigations ), 15 U.S.C. 1681n ( willful noncompliance ), and 15 U.S.C. 1681o ( negligent noncompliance ).

FDCPA Violations : I allege violations of 15 U.S.C. 1692e ( false or misleading representations in debt collection ). 
CFPB Regulations : A collection account has been placed on my consumer report without providing me with the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, I have been denied the opportunity to dispute this account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

12 CFR 1006.34 ( D ) and 15 USC 1681-S 2 ( 7 ) ( A ) Violations : The collection agency furnishing this information has done so without providing all legally required disclosures and is therefore in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). The collection agency is using false, misleading, misrepresentative, and deceptive means. They have no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law. 
Therefore, I demand the following : Debt Validation : I demand complete and thorough validation of any and all debts reported under my name. This must include, but is not limited to, the original creditor 's name, the account number, the date of default, and a detailed breakdown of the debt. 
Purchase Agreement : I request a copy of the purchase agreement between the collection agency and the original creditor, demonstrating their legal right to collect this debt. 
Licensing and Bonding : I request proof that the collection agency is properly licensed and bonded to operate in my state. 
Immediate Deletion : I demand the immediate deletion of all disputed accounts from my credit report. 
Failure to comply with these demands will result in further legal action. 

Please provide all requested information within 14 days of receipt of this letter. 

Sincerely, XXXX XXXX