23daVinci/CFPB_Complaints huggingface dataset:
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did  not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with EquifaxXXXX XXXX, and XXXX. The credo bureaus remove it, however XXXX XXXX continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at Equifax to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers :  XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Thank you for your assistance.
Product: Mortgage

I had a hail loss back in XXXX of XXXX. I filed a claim with my insurance company XXXX XXXX, I sent my XXXX settlement check of XXXX to them in XXXX of XXXX. Due to the extent of damages i had to get a public adjuster involved in my claim. He was able to settle the claim for over XXXX. We have received two more XXXX checks of XXXX and XXXX and submitted both of those. 

I received a packet from PHH requesting contractor contract 's, a W-9 and a XXXX waiver along with the insurance estimate ( which they have had since XX/XX/XXXX ). I have provided them the information requested by fax, email, regular mail and have made at least a dozen calls regarding the release of funds to get the work on my house done. During those calls, PHH has said the information we provided was incorrect but could not tell us what was incorrect, we resubmitted the requested information, half a dozen times. 

At one point during one of the calls, a representative told me my funds would be released in five business days. Those business days came and went and I called them again. PHH then advised they had no record of my claim. I once again resubmitted all documentation via, fax, email and mail. No response and no acknowledgement of any correspondence has ever been received from PHH. 

On XX/XX/XXXX I called them again. My contractor has replaced my roof, siding and fence and needs to be paid for the work completed. According to the PHH rep, their system is now being upgraded and he has no record of any documentation. He gave me a fax number to send the documentation in that we have already submitted four times. We have resubmitted our documentation again today, XX/XX/XXXX. 

To date PHH is sitting on my XXXX insurance proceeds of {$53000.00}. I will have another {$35000.00} of recoverable depreciation once I submit my final invoices to my insurance company. I have not been able to access one dime of my insurance proceeds and now the work is nearly done and the contractor is demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i believe this account is not even belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Equifax, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XX/XX/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 XXXX XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXXXXXX Account Number : XXXX 1. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

tried to find what best describes my situation. my credit card debt was sold to a collections agency and when i look on my credit report both the credit card issuer and the collection agency are on my credit report for the same debt reporting deferently. marked as potential negative. I asked the credit card company if they sold my debt why don't they drop it because even if I pay the collection agency the won't report that I paid the debt that they sold.
Product: Credit reporting or other personal consumer reports

fraudulent accounts on credit report was told that items were removed $ XXXXXXXX XXXX {$23000.00}, XXXX XXXX {$60000.00} AND XXXX XXXX  XXXX. Please block or remove accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. 
THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US BKPT CT OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! My employer is XXXX XXXX  My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! This is my only number XXXX All other telephone numbers are not accurate.
Product: Credit reporting or other personal consumer reports

After notifying XXXX XXXX and Transunion of unauthorized transactions being reported on my consumer credit report. They both continue to actively report inaccurate information on my report. This is a direct violation of my Consumer rights and the FCRAs Transunion responded that it resolved the investigation and deleted the account yet less than a week later it is still reporting inaccurately on my account. 
The companies have yet to prove that this information is verfied. 
The companies, despite knowingly being alerted continue to be in violation of the law.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Square , Inc. regarding the withholding of funds from my small business account. The account is registered under XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, a certified minority-owned and family-operated business. The associated account email is XXXX. 

On XX/XX/year>, Square began withholding a sum of {$3200.00} from my business transactions. Despite my repeated attempts to contact Square via email and phone, I have not received any response or explanation for why these funds have not been transferred to my designated bank account.

Additionally, I have tried multiple times to transfer the funds through the Square app, but the system will not allow me to do so. As a small, family-owned business, this amount represents a significant portion of our cash flow, and the inability to access these funds is severely impacting our operations and ability to meet financial obligations. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX prides itself on providing high-quality nuts and dried fruits to our community, and as a certified minority-owned business, this situation is creating a serious hardship. We kindly request your assistance in resolving this matter and ensuring that Square releases the withheld funds promptly.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures aligned with my experience, where Experian has neither corrected nor removed. The inaccurate or unverified accounts as required by 15 U.S.C 1681i ( a ) ( 1 ) ( A ) of the fair credit reporting act. Despite my good faith efforts to dispute these inaccuracies, Experian has failed to fulfill its legal duty to conduct a reasonable reinvestigation, leaving my credit report with misleading and potentially damang information. I urge the consume financial protection bureau to take appropriate action to ensure Experian complies with the FCRA, properly investigates disputes, and removes any unverified accounts. these ongoing violations not only harm individual consumers like myself but also reflect broader systemic failures that require regulatory intervention.
Product: Credit reporting or other personal consumer reports

This report is illegal per 15U.S.c1681 I got the letter from us Supreme Court bankruptcy dept
Product: Debt collection

I received a bill from XXXX XXXX of debt when I did not visit their office and this was after a data breach in which a class action was won against them. I called them to complain that this bill was wrong but the person on the phone insisted that I will pay the money. I asked her to send me the result of the medical test that they are billing me for and I will pay the bill. They could not provide any tests or results. I have always had health insurance that pays for all my laboratory tests. They just sent my information to the credit Collection dept,  which in turn reported me to XXXX which placed a derogatory statement that decreased my scores. I humbly request that you use your good office to correct this anomaly. Thank you in anticipation for your favorable response. 
Your 's Sincerely, XXXX XXXX
Product: Checking or savings account

Attempted to log into account online and web page stated account was locked to call for more information. I called and was told account was locked due to multiple log in attempts, I supplied all the requested documentation and was allowed access after about an hour on the phone, additional set up company fraud prevention items such as XXXX, and a pass phase and answer for future verification, this was all done on XXXX  XX/XX/2023 and account was unlocked and able to use. 
Attempted to pay a bill online with debit card on XX/XX/2023 and was declined, attempted to log into account online and =web page stated account inactive, to call in. I called in and was told my account has been closed due to fraudulent activity. Since XX/XX/2023 I have called and supplied all requested documentation, several times to have funds released so I can deposit in another bank and as of today XX/XX/2023 my funds are still being held. This has caused late payments, creditor calls and harassments, stress and inability to provide food for myself and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax : If you life a credit freeze, it is immediate or can be scheduled. But you can only schedule it from one day to the next. 

Suppose you want to lift a freeze for a few minutes to allow a new account application approval. You then have to wait to the next day to reinstate the freeze. That leaves you wide open as a target. 

Other credit reporting bureaus allow you to turn the free back on right away. Why not Equifax.
Product: Credit reporting or other personal consumer reports

Equifax experienced a data breach and placed a fraud indicator on my both my credit nd rental screening file as a result. I did not request this block on my file nor did I expect a breach on their end to affect my ability to obtain access to my credit file. For XXXX years, I have been attempting unsuccessfully to obtain my Equifax credit report and have called XXXX  times to resolve the issue. Each time, I am given varying information regarding the issue, the rep claims to fix the issue, nd I still incur the same denial of access to my credit file. It has also affected my ability to obtain rentals due to there being no access for property managers to access my file. The last rep I spoke with claimed the fraud indicator had been lifted and to wait XXXX hours to access it. It has now been a week and the issue is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rarely use my credit. A few months ago i opened my credit report and saw many accounts that where not mine. I called the creditors directly. A few verified that my social security number didnt match what they have on file. So why is this on my credit. I contacted the bureaus. They asked me to file a police report, which i did. The accounts are still on my credit report.
Product: Checking or savings account

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will like to request a security freeze and address update on my file. The correct mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of 2022 I submitted a CFPB complaint against Equifax for reporting unverifiable public record information to my Equifax credit report and file. The unverifiable public record account being reported by Equifax is as listed : XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXXXXXX. Equifax claims that this public record being reported has permissible purpose because it was verified as accurate by reseller XXXX XXXX as of XX/XX/2022 but XXXX XXXX is saying the complete opposite. XXXX XXXX is saying that the public record is unverifiable at that XXXX XXXX has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. Equifax claim they investigated this dispute and that it was verified as accurate by XXXX XXXX but there is no way they attempted to investigate the accuracy of the information if XXXX XXXX is saying that the information is unverifiable. If XXXX XXXX sold this information to Equifax and are now saying they can not verify the information and the US Bankruptcy Court located in XXXX is also saying that they do not verify or validate disputed information, then that means that Equifax has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If Equifax refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US District Court of New Jersey before a competent court of law! Equifax can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Product: Credit card

XXXX months ago, I purchased a computer at Best Buy using my " My Best Buy Visa credit card, '' taking advantage of a promotional offer. At no point during the promotion 's disclosure was I informed that additional steps were required to ensure payments exceeding the minimum amount would be allocated to the promotional balance. This critical information was deliberately concealed from consumers. 

To allocate excess payments to the promotional balance, multiple boxes must be checkedboxes that are buried under several layers of obscure links on Citibank 's website. This setup is purposefully deceptive, relying on a lack of disclosure to mislead consumers. It was only through sheer curiosity and persistence that I discovered these hidden steps. Until then, my excess payments were not applied to my promotional balances as they should have been. 

When I contacted Citibank to address this issue, I requested that all excess payments I had made be retroactively applied to the promotional balances. Citibank refused, offering to adjust only the last two paymentsa wholly unacceptable resolution. As of now, I owe {$2100.00} on one balance and {$230.00} on the other promotional balance, despite consistently paying {$250.00} per month, with approximately {$100.00} of each payment intended as an overpayment toward those balances. The {$2100.00} balance is for the computer I purchased, and the {$230.00} balance is for the computer 's insurance plan.

The deliberate lack of transparency here serves only one purpose : to increase the likelihood that consumers will unknowingly fail to allocate their excess payments, ultimately forcing them to incur interest at the conclusion of the XXXX interest promotional period. This practice is not only unethical but appears intentionally designed to exploit unsuspecting consumers. Citibank 's refusal to fully resolve this issue and retroactively allocate my excess payments is a blatant disregard for transparency and consumer rights.