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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX  XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my account, that have a negative impact on my credit history and health.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding that debt. 

" I recently reached out to XXXX XXXX XXXX regarding a collection appearing on my credit report. They informed me that my account was closed. However, I've noticed that the reported dates keep changing, making it appear as though the account is still active. Despite being marked as opened in XX/XX/2019, it continues to be reported monthly, significantly impacting my credit score. '' this account is closed and no longer handled by XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and 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 have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently went through my credit report and saw some incorrect billing entries, especially late payments that aren't consistent with my regular payments. Please rectify these issues and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent bureau a letter to dispute inaccurate accounts XX/XX/XXXX Sent a verification letter XX/XX/XXXX Sent a no response letter XX/XX/XXXX Sent a letter stating that I was going to file a complaint XX/XX/XXXX I never received a response from any of my letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to order my LexisNexis report for three months now without success. I've contacted the company directly and they tell me they could not find a file for me with the information I gave. I'm attaching a state-issued photo ID and social security card to this complaint. There is no reason LexisNexis can not issue my reports now.
Product: Debt collection

I never heard of this company or this debt. I monitor my credit with XXXX  and in XXXX of XXXX  or so I received notification that this account was posted to my XXXX  and XXXX  report. The supposed amount owed is {$2500.00} with a company and a d/b/a i have never heard of or done any business with. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Mortgage

They keep saying they have records an aplicacins of me asking for payments plans they did send me stack of papers about regulations an explanation of how they payments plans work i requested documents showing me asking for this payments plans i demand copies of the aplicacin you said I send you an i request the records they send to the XXXX mayor 's credit bureaus because they o different with errors I LOSS MY HOUSE MY JOB EVERYTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, without my permission or consent, compiled personal financial information about me, and then recklessly managed this information they compiled. As a result of their inadequate security precautions, they allowed my personal information to be stolen. When I sough to place a security freeze through their website, I was advised it could not be completed. 

When investigating receiving future alerts related to wrongful use of the information they failed to protect, I was advised that they would not provide that service beyond one year without compensation. Of course, they mismanaged the information and caused harm that will last beyond one year. The monitoring should last as long as necessary to assure no future harm - presumably lifetime monitoring.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my transunion credit report dated XX/XX/2023 from XXXX XXXX XXXX that I don't know why it is there and I can't get it removed from my credit report without a letter from the FTC or CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Checking or savings account

I went to a atm and made a deposit of XXXX, the atm glitched and said I needed to call the bank. It did Not deposit any of the money nor give a receipt. I called the bank while still sitting at the ATM and was told not to worry they will open a case and refund the money. I received a temporary credit right away and that that was the end but no. I received an email a few weeks after stating that my claim was denied for XXXX and I could call and request the evidence that was used to determine their out come. I called right away and was again told not to worry and they XXXX would not be deducted from my account and they will escalate the issue. I received the evidence but it was just letters I had already received stating my claim was denied. Today not only was the XXXX removed from my account but also an overdraft fee of XXXX. This bank is clearly stealing my money!! All the have to do is count the money in atm the day I made the deposit. I was told not to worry the funds would not be removed from my account but they were. The rep lied to me and the bank stole my hard earned money. I keep calling the bank and they said there is nothing that can be done
Product: Checking or savings account

I sent a payment on CASHAPP for {$15.00} to a merchant on XX/XX/XXXX. The merchant was unable to provide the service and refunded me through CASHAPP on XX/XX/XXXX. CASHAPP told me the payment would be in my account by XX/XX/XXXX. I have contacted CASHAPP when I noticed the amount was not refunded and they told me it could take 10 days. It is now XXXX days and they are now claiming they already refunded me. I have not since received this refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX credit card. XXXX needs to take off XXXX XXXX XXXX, TransUnion has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX  bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to XXXX, trans union, XXXX. Please add the good standing on my reports if not already done so.
Product: Debt collection

I was issued a summons XX/XX/2024. I have made numerous calls to inquire about this debt and no one ever calls back or answers the phone. I emailed them and no one replies back to emails. It seems they just want the judgment issued so that they can garnish me, and that seems extremely predatory, not even giving me an opportunity to make arrangments to pay the bill.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXXXXXX XXXX, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX XXXXXXXX, and eqyuifax the opportunity to make this matter right by way of the following XXXX needs to remove the bankruptcy like XXXX equifax, and XXXX did. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 had a high yield savings account with American Express, which I closed last year. One of the reasons that I closed the account is because American Express made it so difficult to access the account when it attempted to merge online log-in credentials for its credit cards and its banking accounts.

Anyway, I called American Express today ( XX/XX/XXXX ) to obtain the tax information to file my XXXX federal and state income tax returns and they were completely unhelpful. Not only were they not able to help me restore my log-in credentials so that I could print my XXXX Form XXXX myself, but the representative that I spoke with could not even give me the total interest amount for the year or email me a copy of the tax form. The only thing she could do was mail a paper copy, which takes a few weeks to arrive in the mail and may come after my tax filing extension deadline. It is beyond frustrating to not be able to obtain simple tax information from a phone call.
Product: Mortgage

It appears that all my mortgage payments have been going towards interest and not reducing my principal. This fraudulent practice has also occurred in the past and was rectified but it is now occurring again for 2022. Wells Fargo Home Mortgage is the financial institution. There has been no reduction in principal for greater than 9 months despite all mortgage payments being paid on time. I no longer have faith in the business practices and honest servicing of my loan with Wells Fargo Home Mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is incorrectly reporting my Open and Active account as closed and charged off. I opened the account in XX/XX/year> and have had the same account number. XXXX XXXX is incorrectly reporting the same account as ACTIVE, CLOSED, and CHARGED OFF at the same time even though I am current and making payments. I have disputed this with the credit agencies and i have called and emailed XXXX XXXX numerous times but they will not update the Closed status to Active and current. This is detrimental to my credit score. How can I be current and closed and active at the same time? There is nothing in the contract that states I am being closed or refinanced.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees an money taken out. When making purchases with sufficient funds when transactions were authorized, Im still being charged fees and overdraft fees due to insufficient funds. This issue aligns with CFPB findings against navy federal for similar issues where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

This is concerning direct express the SSA was depositing money into my son account my son passed away on XXXX XXXX XXXX and its coming up here on XXXX second that it will be one year I have gone to the social security administration four times to get this resolved I have asked them to contact direct express to get the money back from them and have them make a check out to social security and they can refund me the money my son has in his account they keep on making excuses for not letting the money loose first they wanted a ID from my wife she was the payee we sent that to them and social security did the same with the money in there account they have been collecting interest off that money and I think the interest should go to my wife because they are not releasing that money you can send me a email or call at ( XXXX ) XXXX.
Product: Debt collection

Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to Afni, Inc and XXXX XXXX in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$4900.00} XX/XX/2018 NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX INQUIRIES NOT RECOGNIZED XXXX XXXXXXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$170.00}.
Product: Mortgage

We did a loan modification back in 2008 circa with Wells Fargo due to financial hardship. And the modification period has ended recently and the interest rate increased to 6.5 % on our mortgage. The payment became too high for us to handle and with our current credit score ( XXXX ) we are not able to refinance. Our parents loan us XXXX  and we wanted to pay down the principle of our mortgage and recast our loan term in order to lower our monthly payment.
When we contacted Wells Fargo regarding this, they told us they can not approve our recast because we had previously done a loan modification on this mortgage. When we sign the loan modification, there were no verbal warnings nor papers telling us doing loan modification would effect our ability being recast even with us able to pay down over 60 % of the total amount owed.
So the goal for us is to pay down the loan and recast our term thus lower our monthly payment. We are not even asking wells fargo to lower our interest rate.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX 4. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX earned income credit qualifying children office address XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX admissions office Attach XXXX XXXX confidence financial letters of posted and post dated Annual XXXX XXXX Qualifying financial errors corrections caused by XXXX XXXX XXXX XXXX Public works political organization concerning Geographic coverage married Joint medicaid and medicare review errors caused by Judge office XXXX XXXX constables commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA. XXXX XXXX XXXX witness by Judge XXXX XXXX