23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Dispute of Incorrect Credit Reporting by Experian XXXX XXXX XXXX XXXX Account Account Number : XXXX Issue Description : I am filing this complaint against Experian for reporting inaccurate and incomplete information regarding my XXXXXXXX XXXX XXXX account ( ending in XXXX ). I believe that the reporting violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, the following legal provisions have been violated : 1. 12 CFR 1006.34 ( b ) ( 5 ) Validation Information : Itemization Date : I was not provided with an accurate itemization date for the reported debt. The validation of the debt lacks clear information on the date of charge-off, last payment, or any other relevant date.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Validation Notice : The validation notice I received did not clearly and accurately disclose the name of the original creditor or provide sufficient detail about the nature of the debt.

3. 12 CFR 1006.34 ( d ) Form and Content of Validation Notice : The communication I received regarding the debt was unclear and misleading, making it difficult to verify the debt. The validation notice failed to meet the required standards for clarity and comprehensibility.

4. 15 USC 1681-S2 ( 7 ) ( A ) Duties of Furnishers of Information : Under this section of the Fair Credit Reporting Act, XXXX XXXX  , as the furnisher of information to Experian, is required to provide accurate and complete information to the credit reporting agency. However, the information provided about my account is inaccurate and incomplete. 

Despite multiple attempts to resolve this issue directly with XXXXXXXX XXXX and Experian, no correction has been made. I request that the CFPB investigate this matter and ensure that my rights under these federal regulations are enforced. I ask that Experian and XXXXXXXX XXXX XXXXXXXX correct the inaccuracies or remove the erroneous information from my credit report. 

Desired Resolution : I request that the CFPB take action to investigate this issue and require that Experian and XXXXXXXX XXXX remove the inaccurate and incomplete information reported on my credit file. Additionally, I request that both parties provide me with documentation verifying the accuracy of the information they have been reporting. 

Additional Information : Attach copies of any correspondence with Experian and XXXX XXXX, as well as any documents that support your claim ( e.g., credit reports, letters, etc.
Product: Checking or savings account

Was Charged For Overdraft fees and had money in my account to cover purchases on several occasions and was charged a monthly fee Every month even when I used the card for purchases. Wells Fargo told me that have to charge a monthly fee no matter how many times I used it a month to avoid fee
Product: Debt collection

In XX/XX/2018, someone opened a fraudulent account at XXXX XXXX, which owes {$290.00}. I have never opened an account with them and I have no relationship with that company, it is identity theft. I called the debt collection agency which is Jefferson Capital, and they told me that I had to send evidence that it was fraud, I asked them what any necessary documents they need, and they only repeated that should be documents that proved to be fraud and they did not tell me nothing more. I called the police to file a complaint and they couldn't help me either. In XXXX XXXX they put me in Derogatory Mark and the account in collection. And I called XXXX to notify it, and I made the dispute. But it couldn't be fixed.
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 and1 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XX/XX/XXXX late payment XXXXXXXX XXXX XXXXXXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to apply for credit and a soft pull was done and was denied based upon the information reporting on my credit report. When I checked all 3 bureaus, TransUnion, XXXX, and XXXX, they have been reporting information on my credit report without my permission. This in itself resulted in denial of credit with merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XX/XX/XXXX ) SYNCBLOWES ( XX/XX/XXXX ) BANK OF XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) CAPITAL ONE/WAYFAIR ( XX/XX/XXXX ) EXPERIAN XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX NA ( XX/XX/XXXX ) BVU/BLUEGREEN VACATIONS ( XX/XX/XXXX ) EXPERIAN XXXX XXXX ( XX/XX/XXXX ) XXXX - CARD SERVICES ( XX/XX/XXXX ) JPMCB - CARD SERVICES ( XX/XX/XXXX ) CAPITAL XXXX BANK XXXX XXXX ( XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. My Experian account was hacked since XX/XX/year>. I tried so many time with Experian Customer Service to fix the problem but no HELP. 
The hacker changed my phone, my address, my email, use my SSN to apply too many credit cards and banks. 
NOW ... my request is help me to change the phone number because everytime i tried to log in, Experian sent the verification code to fake number so I couldn't do anything. He just made request to unfreeze my account again. 
I don't UNDERSTAND what is the process of the investigation and how long to get it done. This fraud is giving me too many problems with Experian account. I would like to talk to HUMANS not the MACHINE when I need to report the IDENTITY THEFT. This is very IMPORTANT to the customer. 
My phone XXXX My email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that these two 2 ) major credit reporting agencies ( Experian & XXXX  ) either provide me with a signed contract with the companies inwhich they are reporting or remove the unauthorized accounts immediately..And as a general rule of law electronic Verification can not be accepted as proof. I'm disputing the following accounts 1 ) XXXX XXXX XXXX 2 ) XXXX/ XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX 5 ) XXXX XXXX  XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX   XXXX 8 ) XXXX  XXXX Please remove the accounts
Product: Credit reporting

A Ditech mortgage appears on my credit reports from XXXX and XXXX. I contacted both reporting agencies and advised I have never had a Ditch mortgage or Ditech loan of any sort. Neither credit reporting agency has removed the incorrect information. XXXX advised I should contact CFBP for assistance. The one and only mortgage I 've had in my lifetime began with XXXX in XX/XX/XXXX. When XXXX shut down, my mortgage was sold to XXXX ( XX/XX/XXXX ). In XX/XX/XXXX, I refinanced with XX/XX/XXXX who, to this day, still holds the mortgage. Again, I have never had a mortgage or loan with Ditech and want the Ditech mortgage removed from my XXXX and XXXX credit reports. I have no documentation to attach as the Ditech mortgage is not mine, and XXXX XXXX, and Ditech can not provide any documentation on this alleged Ditech mortgage showing on my credit reports. I would greatly appreciate assistance in getting this fraudulent entry removed from all credit reporting agencies ASAP.
Product: Credit reporting or other personal consumer reports

Back of XX/XX/ my credit inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was ran. This should not be showing up still on my report. Please, I'm asking for it to be removed asap. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 2. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Upon a recent review of my credit report, I discovered unauthorized accounts that are completely unfamiliar to me. These fraudulent entries are severely obstructing my ability to obtain credit. It is imperative that these entries are removed immediately.
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. US XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX has violated my rights. 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: Money transfer, virtual currency, or money service

I am a permanent resident in USA residing at XXXX since XXXX. 
I used Western Union Money for transferring money to my brother residing in XXXX once in XX/XX/XXXX from my US bank XXXX. 

In XXXX and XX/XX/XXXX, there were 4 fraudulent transactions were made to withdraw money from my Bank. 
This was not initiated by me nor neither my brother received the money .Someone hacked my Western Union account and changed the Payout information and initiated below the transactions. 

XX/XX/XXXX {$2000.00} - Western Union Capture XXXX WEB ID XX/XX/XXXX {$800.00} - Western Union Capture XXXX WEB ID XX/XX/XXXX {$1500.00} - Western Union Capture XXXX WEB ID XXXX XXXX {$1700.00} - Western Union Capture XXXX WEB ID This was noticed on XXXX XXXX by me and immediately reported to Western Union and XXXX bank. Further to that, I also filed a police complaint in US Western Union disputes : XXXX, XXXX XXXXXXXX XXXX claim : XXXX XXXX police complaint : XXXX For the first two transactions made in XXXX, I did receive notification in my email regarding the transactions, which I overlooked as I did not initiate those. 
For the last two transactions made in XX/XX/XXXX, I did not get any notifications and mean time the hackers changed my email id my Western Union account. 

The payout had happened to a XXXXXXXX XXXX  ( XXXX XXXX XXXX ), commonly used in XXXX. The recipient information in those transactions are under my brothers name but the payout information was changed to XXXX XXXX. 
XXXXPI ID is also unique and that is not by brothers and payout location is XXXX XXXX and my brother lives in XXXX which is XXXXXXXX XXXX away. 

My brothers bank details XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX The receiver name and address is same as my brothers for fraudulent transactions and only payout information was changed by hackers Instead of my brothers account ending at XXXX, they changed to a XXXX Account ID XXXXXXXX XXXX XXXXXXXX Upon numerous calls neither Western Union and XXXX bank is not sharing any information which proving these transactions were fraudulent. Only if I prove XXXX bank will be able to reimburse the lost money.
Product: Checking or savings account

I paid the account off and I wont take it off my credit report
Product: Credit reporting or other personal consumer reports

I have disputed this with TransUnion upon applying for a home loan was notified about this account. I disputed and TransUnion has updated a collections account status as open that I already disputed was not mine. XXXX is inaccurately reporting on my credit report and TransUnion is culpable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my information to open lines of credit, credit cards and bank accounts. These inquires dont belong to me and should not be affecting my credit score by appearing on my credit reports. Please have these removed ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Inquiry dateXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

ERRONEOUS CLOSING OF MY VICTORIA SECRETS ACCOUNT XXXX I recently called into Victoria Secrets to see if I owed anything this month for my credit card and to my shock and surprise I was told that my credit card was closed due to fraud. I never called and reported fraud on my Victoria Secrets card or to any of the credit bureaus concerning Victorias Secrets. This has hurt my credit score and my business I have a small business and I use the products from this company to fill my orders. I have spent a great deal of money with this company to be treated like this. I called on last week to speak with someone in the fraud department and they told me that they would escalate this to a manager and call me back. I have not heard back from a fraud manager or anyone. This has caused undue stress, with the uncertain future of my business. I have had this card for years. The credit bureaus are supposed to provide accurate reporting. Please forward this note to the attorney general in your state I am in the state of Texas so I can handle the Attorney General filing on this end. Consumers should not have to endure this type of anguish. Today I called Victorias Secret to speak with someone and the automated system hung up on me after I put my information in because it said that my account was closed. This is also embarrassing because it reads on my credit report that account was closed by creditor as if I dont pay my bills. This is defamation of character and an invasion of privacy. This error also violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since Transunion was unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it. Remove XXXX  XXXX
Product: Mortgage

In XX/XX/XXXX, I have already had to file 2 complaints with CFPB. In XX/XX/XXXX/XX/XX/XXXX timeframe, I re-filed a complaint because a resolution to my request has been avoided. A {$20000.00} payment paid by cashiers check was provided to Wells Fargo 's previous bank, XXXX XXXX during its transition to XXXX to pay down a substantial portion of a HELOC loan, # XXXX. Wells Fargo claims they can not find the deposit in the archives, ( although I have provided clear evidence of the unapplied sum ), which should reduce the balance of the HELOC debt, and they refuse to take any action or enact any resolution to correct the error. I have received correspondence stating that Wells Fargo can not validate their position because they do not have the records, tax records, deposit or any other records from XXXX XXXX/ XXXX . That is not an acceptable response. All documentation should be in the archives & in their vault. I provided a copy of the deposit receipt applied to the HELOC account, & copy of the cashiers check. In Wells Fargo 's response, denial & resolution letter, they asked me for a cancelled check. Cashiers checks are paid upfront & the customer is provided a receipt & transaction #, customer is not provided a cancelled check. Either Wells Fargo is operating without due diligence or they are pretending to be unintelligent to avoid a resolution, because my evidence was provided. They are refusing to credit me the {$20000.00} & recalculate all payments from that date forward, negotiate a settlement, take current payments from me on this account, in fact they are refusing to workout a payment option & are attempting to sell my house on XX/XX/XXXX over approximately {$7000.00}. + legal fees. They owe me {$20000.00} + an adjusted balance. 
The fact that Wells Fargo can not produce their information or documentation, is not a valid reason to deny my evidence. They will avoid a resolution until I have to take legal action. I can not believe Well Fargo is once again getting away with illegal practices, one that is even much more damaging than opening extra unauthorized bank  accounts. Your help will be greatly appreciated.
Product: Debt collection

This collection was reported to my file in error of someone with a similar name but different address. I contacted LVNV in attempt to correct and the representative was only willing to mail an affidavit which I never received. The representative was not willing to verify my identity as incorrect even after my SSN was not on file with an account they hold. Credit bureaus are working to remove this error. This is a time sensitive matter as I am in the process of closing on a home when this error appeared and is affecting my loan terms. Companies should be held accountable for misreporting consumers information and all verifications of identity should be thoroughly checked as many people share similar names.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.