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

On XX/XX/XXXX I Submit through the mail to XXXX  Equifax and XXXX XXXX Deletions to  credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless
Product: Credit card or prepaid card

I opened bluenile credit card which is corporate with comenity capital bank! That card is 12 months no interest and the credit amount is XXXX. I used all XXXX purchased diamond ring for my wife and I make payment every month on time. The no interest promotion end date is XX/XX/2022. My last payment is on XX/XX/2022, that day my remaining balance is only XXXX usd. On XX/XX/2022, I was trying to make the last payment XXXX. But their system is down. And then I was trying to login to again and again. Their system is still down and XXXX cant make payment online the whole XXXX. Even in the beginning of XXXX, their system is still down. Last night, XX/XX/2022, finally I was successfully login to the account and their system is back. I was shocked and surprised I was charged the interest fee which is XXXX usd! And my balance is only XXXX, but interest fee is XXXX. And its not my fault its because their system is down. I was calling the customer service they said they cant waive the interest fee because I didnt pay off all the Balance before XX/XX/2022. They are robbery my money and even not talk nicely just keep saying that they cant remove this interest. And keep saying that I can calling them to make the payment of last XXXX. But I really dont know I can make payment by calling them when the system shows its down just waiting the system back! The bank named comenity capital bank is big scam! I connected to them and they refuse to help me! they only judge me even thats not my fault! and they not even answer my question! Ive already paid my part off today and thats it! I will not pay a single extra penny to them!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX, XXXX and Equafix block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX XXXX  account number XXXX. XXXX XXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX Date : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and for over a year, I have been disputing several fraudulent accounts that have been incorrectly reported on my credit reports. Despite submitting multiple written disputes to XXXX, Experian, and XXXX, these accounts continue to be inaccurately verified as legitimate. Additionally, the credit bureaus have falsely claimed that I am using a credit repair company, when in fact, I have personally sent all dispute letters. I have attached evidence and account details below to support my claim. 

Here is a list of the fraudulent accounts I am disputing : XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$1200.00} Balance : {$1500.00} Status : Collection/Charged off, disputed by consumer. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account, meets FCRA requirements. 
XXXXXXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$780.00} Balance : {$780.00} Status : Collection/Charged off, disputed by consumer. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account, meets FCRA requirements. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$1000.00} Balance : {$1000.00} Status : Charged off as bad debt, dispute resolved by credit grantor. 
Last Reported : XX/XX/XXXX. 
Comment : Dispute resolved, reported by subscriber. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$540.00} Balance : {$540.00} Status : Charged off, account closed due to inactivity. 
Last Reported : XX/XX/XXXX. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$490.00} Balance : {$490.00} Status : Charged off as bad debt, account closed due to inactivity. 
Last Reported : XX/XX/XXXX. 
Comment : Dispute resolved, customer disagrees. 
XXXX XXXX XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$580.00} Balance : {$580.00} Status : Seriously past due, collection account assigned to attorney/agency. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account information, account assigned to collections. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$960.00} Balance : {$960.00} Status : Charged off, account in collections. 
Last Reported : XX/XX/XXXX. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$960.00} Balance : {$960.00} Status : Charged off as bad debt, account in collections. 
Last Reported : XX/XX/XXXX. 
Comment : Account information disputed by consumer, meets FCRA requirements. 

I have made multiple attempts to resolve these issues directly with the credit bureaus, but they have failed to adequately investigate or provide documentation validating these accounts. These fraudulent accounts have significantly impacted my credit score, and I am seeking the CFPBs assistance in removing these items and ensuring a proper investigation is conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the below accounts, 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 Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Untitled { XXXX } XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Student loan

Nelnet which is a fasa. Form government has for years been trying to get me to pay off a school loan that has been closed down for years called XXXX XXXX It is unfair that N e l n e t expects me to pay for a college that already deemed a fake college by the government
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/1967 SS XXXX XXXX XXXX PORTFOLIO RECOVERY SHOWING ON MY CREDIT PORTFOLIO RECOVERY STATING OPEN XXXX XXXX FOR THE AMOUNT {$740.00} NO ACCOUNT NUMBER NO ORGINAL CREDITOR INFORMATION JUST DESTROYING MY CREDIT MY NEXT STEP IS TO FILE A CASE FOR DEFERMATION OF CHARACTER PLEASE LOOK AT ATTACHMENT NO INFORMATION JUST HURTING MY CREDIT YOURS TRULY XXXX XXXX
Product: Mortgage

My mortgage servicer does not cooperate with extending an additional six months of forebearance on my mortgage! already on covid 19 forebearance for 18mos. and still struggling to pay my mortgage.i am a XXXX person on social security.have tried many times to ask for additional extention and reps keep denying.under fha regulations people who still need an extention should be granted an additional extention beyond the 18 months if still struggling with mortgage payment! servicer does not want to comply.
Product: Debt collection

I got letter which showed me the owed amount is {$2500.00}. I received this Letter as XXXX. I didnt understand the reason of this letter
Product: Credit reporting

This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to TransUnion : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :
Product: Credit card or prepaid card

I received an email letter that Capital One has closed my account on XX/XX/2020 due to inactivity. I log in to this website one a month and ensure the balance, rewards, and account status is active. I called Capital One and spoke with XXXX who stated he could not open account. I am aware that a card issuer has no duty to warn of an account closer however I believe under the current circumstances which our nation is facing, the action by the issuer is calculated to lower the credit scores of Americans including myself, as well as take away a life line during this time of crisis for unexpected bills, such as ones I am incurring due to two recent XXXX  and was consider leaning on rather than liquidating other assets such as stock holdings. 
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By forcing this decision on the consumer, the average American such as myself are being forced to decide between long term financial health, comprising savings and investments because companies like Capital One are selectively utilizing their power over persons to increase reduce creditworthiness and increase interest rates thus profiting unfairly. 
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By taking away open credit at this time for someone who is in good standing but not utilizing their available credit, the company is complicit in a scheme perpetrated by many banks to manipulate the credit market, lowering consumer credit scores and thus using this tactic to increase card rates when consumers go to re-establish credit lines. I can only assume Capital One has more instances of this sort of behavior. They also advise accounts can not be reopened however it is well documented this is in fact not the case. 
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In short - Capital One sees that I have a good credit score, that I pay my bills on time, and that by closing my account ( one of my oldest accounts ) it will negatively effect that score ( due to age and revolving utilization ). This is a calculated move made by ALL in the banking industry under the guise of removing " inactivity '' from their rolls, but what is really does is punish those like me for responsible credit usage. This is something they collude with other banks to do ( the industry as a whole has a tacit understanding of how this works ) to increase their bottom line. I am a victim of this and the CFPB no doubt can look at their complaints and see Capital One engages in this pattern of corrupt activity. 
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As recently as XX/XX/2020 news media reports have eluded to this tactic which I am now victim to - see article from XXXX https : XXXX
Product: Debt collection

I am receiving a collections notice from Universal Fidelity LP for a charge of {$77.00} for an order that they are claiming I ordered online which never happened. In calling XXXX XXXX customer service XXXX ; you get transferred to another line that no one answers if you are not placing an order. I have tried all different days/hours to resolve this and now I am getting a collection notice. I am not paying for something never ordered, never received. I need help with this please.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX i dispute the following information that appeard on my Equifax report from XX/XX/XXXX : XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of XXXX XXXX is incorrect because the balance due on this account is {$0.00}. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$5400.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  XXXX Collection with account # XXXX opened on
Product: Checking or savings account

XX/XX/XXXX I once again contacted Citi Bank for taking {$12.00} monthly fee from my account. 
Twice I have submitted the form Citi sent me to verify my account information, direct deposit, and direct payment. TWICE!!!!!! 
I made the follow up call one week after sending the form back to CitiBank. 
I was told everything was in place. 
Now XX/XX/XXXX another {$12.00} monthly fee was deducted from my account. When I called the man ( XXXX - I think that was the name he gave ) insisted I did not meet the criteria, yelled at me and refused to speak any further. I requested a supervisor. I spoke to supervisor XXXX, ID XXXX. She said the direct pay would NOW be on a permanent basis and from here forward I would not be charged a monthly fee. 
I have been told this exact same thing for several years now. Only after a few months of no fees for the fees to be put back on my account and Citi delete my direct pay instructions. CITI DELETED MY DIRECT PAY WITHOUT MY KNOWLEDGE!!!!! 
This has occurred since XXXX!!! 
I have to call again every time I see monthly fees reappear and then Citi refunds the monthly fees. 
CITI HAS NO RIGHT TO REMOVE MY DIRECT PAY AND THEN SAY I DONT MEET THEIR REQUIREMENTS OF PROPER AGE AND HAVING DIRECT PAY. 
CITI IS DOING THE SAME THING TO PEOPLE AS XXXX XXXX DID!!!! 
CHANGING PEOPLES ACCOUNTS WITHOUT THEIR PERMISSION!!! 
THIS TIME I WANT FEDERAL BANKING FRAUD CHARGES FILED AGAINST CITI IN MY NAME!!! 
The document I attached was received after the first mailing of CitiBanks required documentation. Within that letter was another copy of the document I had already filled out and sent back. 
I filled it out once again and mailed it again to the address provided.
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 XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 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, credit repair services, or other personal consumer reports

After disputing inaccurate information on my credit report my name, personal information and history is not correct and has not been corrected accurately. I sent all original high-quality images of my valid ID and SSN card, police report and FTC report , mail with current address, current Credit report with all inaccurate Information notated and highlighted to XXXX XXXX and Equifax Information Services to correct and they are reluctant to fix my correct true identity with is listed exactly the same on all of my documents. 

XXXX XXXX and Equifax Information Services are in violation of Title 16 part 602 sec 153, 154, 155 due to reinsertion of erroneous information which are results of Identity theft.