23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill in 2018 from XXXX XXXX XXXX XXXX for XXXX I reported that it was not my bill because it is a bill for a XXXX XXXX XXXX which is not me. I told their billing that all my medical concerns go to my medical insurance ( XXXX or XXXX ) and that it should be sent to them. they called me back and said it was rejected by both insurances. I said, of course because I am not XXXX, XXXX XXXX. They ignored me and put this bill on my credit. i have continued to fight this through the years constantly saying this is not my bill, I am not XXXX, XXXX XXXX, never have been and never will be. When ever I have a medical concern i always send it to my medical insurances. no one has listened to me through the years. so I am now coming to you. 
This bill has been listed on my credit twice and they keep updating this account to make it a recent legal account which is not in my name. Tried calling creditor about this account and they refuse to take it off even though it is not mine. i called the credit reports about this and they refuse to take it off also even though it is not in my name and it is not my bill.
Product: Credit reporting or other personal consumer reports

I did not initiated any of the listed inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$3100.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$4900.00}, XXXX XXXX XXXX Date of XXXX XX/XX/year> XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2019 I disputed an account reported by XXXX XXXX XXXX XXXX to EXPERIAN. I was notified on XX/XX/2019 by Experian that the item was deleted from my credit report. On XX/XX/2019 the same account got reinserted into my credit report without notifying me within 5 buisness days.
Product: Debt collection

I have made several attempts to address this ongoing problem with the original debtor and the previous collections company. This account was a fraudulently obtained account in my name and although I have attempted several ways to resolve this issue they continue to send collections notices from new collection companies. This is the 4th notice from a second collection company for this same debt incurred as a result of identity theft.
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 ITEMS. 
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 XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Checking or savings account

I am Ally Bank customer for more than 10 years. My address in my Ally Bank account was successfully changed from my old address in XXXX  to my current address in XXXX  more than 3 years ago. I can confirm that the address has been correct in my Ally Bank online account since over 3 years ago. 

However, I recently noticed that Ally Bank still always sends my 1099 tax form to my old address in XXXX. In the past three years, they never mailed my 1099 tax form to my current XXXX  address. My 1099 tax form still shows my old XXXX address. Such serious mistake is absolutely not tolerable at all. Ally Bank leaked all my personal and confidential information including my social security number printed in my 1099 tax forms to someone else who live in my old XXXX address. 

I request Ally Bank to take the following actions immediately : 1 ) Correct my address in any future 1099 tax forms to my current XXXX  address immediately! 

2 ) Offer me {$500.00} compensation for my personal information leak caused by All Banks serious mistake over the past three years.
Product: Vehicle loan or lease

I have recently purchased a car from XXXX  of Connecticut and XXXX and was told that the only way I would be able to apply for a loan and get a car is if i provide a down payment of XXXX dollars I was told by XXXX XXXX of this matter after I paid this deposit it has come to my attention that this was a violation of 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : All charges must be included in the finance charge!!! My initial down payment was not included with my finance charge
Product: Mortgage

Seterus took my money but did n't pay my property taxes.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

Victim of XXXX XXXXXXXX and my report has hard credit inquiries that I never did. The only one I did do is from XXXX XXXX for my car. Closed accounts not taken off. And collection accounts that aren't mine.
Product: Credit card

BB & T sent me a letter saying I have " delinquent credit obligations with BB & T ''. I only have XXXX open account with BB & T, it has a XXXX balance and has for over six months. It is not delinquent. The letter also says " We have told a credit bureau about a late payment, missed payment, or other default on your account '' There is no late payment on my credit file and my account has a XXXX balance so they have no right to do this. 

They have taken adverse action against me based off this information and I would like for them to remove all erroneous information from my account with them and from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THE INQUIRIES ACCOUNTS AND TRANSACTIONS I AM DISPUTING WERE OPENED AND MADE BY THE THIEF, AND NOT BY ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY : I DISPUTE THE FOLLOWING ADDRESS ON MY CREDIT REPORT THAT I NEVER LIVED AT OR DO I KNOW ANYONE WHO HAS LIVED AT THE FOLLOWING ADDRESSES : XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX I DISPUTE THE FOLLOWING NEGATIVE ACCOUNTS THESE ACCOUNTS ARE NOT MINE I NEED THESE ACCOUNTS OFF MY FILE IMMEDIATELY!!! : 1.DEPT OF ED/XXXX ACCT # XXXX 2.DEPT OF ED/XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX ATTACHED ARE A COMPLETED POLICE REPORT FTC REPORT CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT IDENTITY THEFT AFFIDAVIT AND XXXX XXXX XXXX DRIVERS LICENSE. PLEASE DELETE THE DISPUTED ITEMS FROM MY CREDIT REPORT WITHIN XXXX DAYS AS REQUIRED BY THE FAIR CREDIT REPORTING ACT.
Product: Checking or savings account

XX/XX/22 I opened a checking account with Citi Bank to take advantage of their promotion, XXXX for {$300.00}, {$700.00}, or {$1500.00}. I also had a family member sign up for another promotion using my referral URL for {$100.00} per person up to {$2000.00}. Over 5 months went by and I didn't receive either bonus. My family member did using the exact same steps. 

XX/XX/22 I contacted Citi via chat. They couldn't find what happened, so they opened a dispute for me ( which I documented ). I was told it would take " up to XXXX business days ''. 

XX/XX/22 I called after XXXX business days on XX/XX/22 to see why I didn't receive a response. I was informed I needed to submit a W-9. I mailed it on XX/XX/22. 

XX/XX/22 I received a letter from Citi about the dispute reminding me I hadn't sent my W-9 to them and they couldn't proceed with the dispute. 

XX/XX/22 I contacted Citi to confirm my W-9 was received. I was told it was " received on XX/XX/XXXX ''. I also found out Citi hadn't added the {$100.00} promotion to the previous dispute. So, they told me they opened another dispute for me on XX/XX/22 and told me it would be XXXX business days. 

XX/XX/22 I called Citi to check in on the new dispute as well as the previous. I was told that the XXXX dispute had closed due to a " lack of information ''. I opened a XXXX dispute to again try to receive the XXXX bonus ( XXXX dispute in total ). 

XX/XX/22 There was a letter dated XX/XX/22 by Citi saying that Citi tried to resolve my dispute submitted on XX/XX/22 but " we do not have enough information to complete our research ''. I have no record of this dispute and didn't even know it was opened as the dispute number doesn't match the number I have from XX/XX/22. I called Citi to inquire about the letter and XXXX open disputes. They told me it hadn't been XXXX business days and to call back tomorrow. 

XX/XX/22 I followed up with Citi again and was told there were no updates for either dispute. 

XX/XX/22 I contacted Citi via chat to check in for an update. I was told there were no updates and was given a phone number to call for updates. 

XX/XX/22 I called the number previously provided and spoke to an agent. They told me that the XXXX dispute had been resolved and the XXXX bonus would post to my account. There was no update on the {$100.00} referral bonus. Later that day, the XXXX bonus showed as pending to my account. 

XX/XX/22 I contacted Citi via chat to find out about the {$100.00} referral bonus offer. I was told there were no updates, please wait XXXX more days. I told the agent that I had been more than gracious and that I would need to submit a complaint to the CFPB unless a XXXX could resolve this. They opened a complaint internally. Since it has been well over the XXXX business days from when I contacted them on XX/XX/22, I filed this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognized your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. Please this time remove the items that are inaccurate on my report. 
XXXX XXXX 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXBalance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX Experian XXXX XXXX XXXX inaccurate information in my credit report and they are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Vehicle loan or lease

Westlake Financial Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
I have made numerous attempts and I have all of the letters I sent certified and documented, Westlake is reporting to the credit bureau that I owe XXXX along with attached late payments.The dates attempted XXXX, XXXX, XX/XX/2021. 
Be advised that the description of the procedure using XXXX to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Credit card or prepaid card

I have been a longtime customer of Lowes and happen to open a store credit card several years ago. I began to notice that the Lowes Credit Card which is offered through Synchrony Bank was not honoring any of my large payments made in 2018. In fact Synchrony Bank continued to bill me each month even though I paid large sums of money in excess of over 30-50 % of the actual credit limit. Synchrony Bank also reduced a credit limit that was over {$3000.00} to {$1200.00} to make it look that my credit utilization ratio is high which has had a negative impact on my credit report. No bank has ever reduced my credit limit in fact my current XXXX XXXX Credit Card has a credit limit of over {$10000.00}. The following discriminatory practices are not a common practice of other banks. The following practices are meant to enslave and put Americans into deep financial distress. 

I have also noticed that Synchrony Bank has retaliated against me and closed my account without my authorization because they would not fix the account. The following discriminatory practices by Synchrony Bank will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper has been going back and forth with me for some time as they were trying to charge forced placed insurance claiming that I did not have it. I provided proof that I did have insurance. It has been several years or going back and forth with them and now they have placed me in collections as a result. This is affecting my ability to refinance or to get a reverse mortgage.
Product: Credit reporting or other personal consumer reports

I received a " free '' credit report in XX/XX/year> from Experian, aka " Consumer Info Com ''. It was unclear to me that it started a premium membership at {$27.00} a month starting in XX/XX/year>. I called, complained and they " said '' they would refund the most recent XXXX charge today but that is all. Experian is again taking advantage of their customers at a ridiculously high fee without properly communicating the terms of an agreement..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been deleted following CFPB dispute. Both Experian and XXXX have refused to comply even after receiving paperwork. Companies have consistently stated they have ran disputes at FCRA requirements but have historically been incorrect. They have still failed to remove this account even after disputes
Product: Credit reporting or other personal consumer reports

I was given by the National Credit Adjusters my social XXXX and my email address XXXX that I have found to have been placed in the black web over 22 times and I since have opened identity theft claims. Due to this issue, it is hurting my credit filings and is causing me hardship, stress, and credit denials. 
I was also provided from the representative of National Credit Adjusters with the street address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX That is not my address, never have lived at this address and in which does not belong to me. 
I was then given the email XXXX to dispute the alleged account along with an account number # XXXX, I was also provided with the open dates of the mentioned account of XXXX XXXX, and XX/XX/. Stating that this account belongs to the original owner of XXXX XXXX. 
I have no known recollection of this account nor have I opened an account with this company.
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. 

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 XXXXXXXX and list of Inquiries.

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: Credit reporting

I disputed the incorrect on my credit report. Transunion has refused to research the dispute, the dispute is also involved with an Bank complaint with cfpb # XXXX & XXXX. I provided Transunion with the information but, the company refused to research the cfpb information and the letters from the company.
Product: Credit card

XXXX American Express card email demanding large payment of {$2100.00} in 72 hours or credit line decrease This is the second time first payment demanded was {$1700.00} I paid the first demand but stated I would report another instance. No missed payments on account and not over the limit This is unfair and discriminatory practices