23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a scam. I tried to report it and it sent me here. I have no such credit card, and have never even heard of the bank they claim to represent. They have now sent me this message at least a dozen times. Here is the text : This message is from Spring Oaks Capital , LLC. 

We are willing to accept {$390.00} to resolve your Indigo XXXX account originated by XXXX XXXX, which is now owned by Spring Oaks Capital SPV , LLC, for less than the full balance. 

We want to see you succeed, so we request that you review and take advantage of this offer by XXXX We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

To view this offer, go to XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
Product: Checking or savings account

wells fargo Bank to whom this may concern : Wells Fargo Bank illegal closed with overdaft fees on my account my bank account in XXXX & XXXX and then sent me and my mom and my mom a {$20.00} dollar check and i know thats not right think that was right my money was gone out account fast with no trail of how much i had and why they closed my account
Product: Debt collection

Original Creditor ( s ) : XXXX  ; DEBT : {$270.00} XXXX XXXX XXXX  ; DEBT {$320.00} Item 1 : XXXX XXXX XXXX ; XXXX XXXX XXXX  ; Debt : {$320.00} ( The previous Debt Collector : XXXX XXXX XXXX XXXX  ; Debt : {$320.00} ; and Original Creditor XXXX XXXX XXXX ; ) I spoked with these parties about the opened fraudulently account. They stated the account was a business account under my identity but there is no copy on file of LLC, DBA, INC, or Corporation and no business name on file. I have no business registered in the state of Florida what so ever. In which is why Debt Collector ( XXXX XXXX XXXX XXXX  ) Removed the account from collection ON XX/XX/XXXX. 

Item 2 : XXXX XXXX ; XXXX ; Debt : {$270.00} ( Previous Debt Collector : XXXX XXXX XXXX ; Account Number : XXXX ; REMOVED ON XX/XX/XXXX ) THIS DEBT IS NOT UNDER MY NAME ONLY MY SOCIAL SECURITY. 

The items I have identified above are inaccurate and opened fraudulently due to identity theft. XXXX XXXX XXXX XXXX XXXX. These accounts were closed repeatedly last year and earlier this year due to fraudulence. Yet, they continue to harass me with multiple debt collectors whom are not authorized by law collect nor request these fraudulent accounts through any of the credit bureaus ( XXXX, Experian, & XXXX  ). 

Laws to abide by : 1. 1022.123 Appropriate proof of identity 2. PART 602FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003 3. PART 681 IDENTITY THEFT RULES
Product: Checking or savings account

Claim number : XXXX Card ending in : XXXX Account ending in : XXXX I booked a flight on XXXX XXXX XX/XX/2023. XXXX emailed me back within 15 hours of the booking to cancel my flight due to Overbooking. They also processed the refund in full back to the card for me the same day. Since then I never seen any credit back to my bank account. I then made a dispute with Chase on XX/XX/2023 for the reason : - Cancellation a one-time purchase and haven't received a credit as promised Chase gave me temporary credit right away. Eventually, on XX/XX/2023, they reversed the credit because they received the documents from the merchant saying : the merchant already provided the cancellation policy and term and agreement. I already agree to that when I made the purchase for the airlines ticket. HOWEVER, in this case, The merchant is the one who CANCELED the flight due to their fault of overbooking not me cancelling the flight. Also the cancellation is also within 24 hours of the booking. They also told me in the cancellation email that they already processed the refund for me. I sent in the cancellation letter from the merchant to Chase and Chase refused to pursue the case further and help me get the money back. They told me this is because the dispute reason when I originally open the dispute was wrong. They told me I should have open the dispute under : -The merchant never provided the product or service. 

In my opinion, these reasons are very wordy and confusing to the customer. As I understand, the ticket was cancelled by the merchant and they already told me in the email that they already processed the refund. That's why I dispute under not seeing the credit as promised. 

I called Chase dispute many time and they always refused to help. They just being rude and told me that's XXXX XXXX This is discriminating and XXXX. The supervisor name was rude is XXXX, I talked to him on XX/XX/2023 at XXXX XXXX  PT. 

I read the dispute rude and I am 100 % sure the reason and category that I selected are correct according to the support documents I have and submitted. Please help me get the money back. 

Best, XXXX
Product: Mortgage

Some weeks ago, I contacted NetworkCapital about a refi. About a week later, I had second thoughts and informed their representative, both verbally and via e-mail, that I no longer wished to pursue the refi with them. 
Since informing the company, via it 's representatives, of my change in plans, representatives of the company have continued to call me at least weekly ( sometimes more frequently ), even though I told each representative I was no longer interested in pursuing a refi with them. 
This morning, I received another call from a NetworkCapital representative ; I hung up on the caller. 
I wish all calls to me from NetworkCapital cease, immediately!
Product: Credit reporting or other personal consumer reports

Again, I appreciate your time to REMOVE some of the incorrect credit information in my file that resulted from an erroneous credit report entry but I still have ITEMS left that needed to be removed. I am submitting this time to notify you of incorrect entries on my credit report, which I am disputing. These items do not pertain to any transactions involving goods, services, or money that I have made or authorized. I request the removal of these inaccuracies from my credit file. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX. The disputed items are unfamiliar to me, and similar information has been deleted by other credit bureaus, leading me to question their accuracy. The reported payment history for these items is also confusing, as outlined in FCRA 605B ( c ) ( 1 ) ( C ) Authority to rescind.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Aldous & Associates, P.L.L.C. 

XXXX XXXX XXXX XXXX, UT XXXX Reference File # XXXX RE : CEASE AND DESIST To whom it may concern Aldous & Associates , P.L.L.C. is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is evidence of the use of abusive and unfair debt collection practices by many debt collectors including Aldous & Associates, P.L.L.C. 
Since XXXX XXXX XXXX is taking action on invading my personal privacy trying to harm my reputation of credit by furnishing such alleged debt to consumer reporting agencies. 
Upon receiving this notice. I demand you to CEASE AND DESIST further communication regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ).

Aldous & Associates, P.L.L.C. 
Since XXXX XXXX XXXX is confirmed an debt collector who failed to comply with the Fair Debt Collection Practice ( 15 USC 1692 ) may be held not only civilly but criminally liable for any damage sustained in your attempt to extort me if you violate the CEASE AND DESIST.

I DECLARE UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE USA THAT FOREGOING IS TRUE AND CORRECT ( 28 U.S.C 1746 ) Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below witch stills appears in my credit report, even after your investigation. I would like this item immediately-reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual whit whom you verified the above so that I may follow up. Please send an updated copy of my credit report after your reinvestigation.
Product: Debt collection

Today, I received a text on my cell phone saying this : XXXX, contact MRS BPO LLC regarding a matter with XXXX XXXX. MRS is a collection agency. 
Visit : https : XXXX call : XXXX opt-out : reply XXXX XXXX : XXXX 

I am not XXXX! 
I called them at ( XXXX ) XXXX because no one answered the number above provided in the text, and I disputed this. The man who answered sounded like he was in a call center of sorts, and he stated that they had nothing for me in the XXXX category, aka office, under my real name, XXXX XXXX. They kept asking for my middle name, which I declined to give. I have no business with XXXX ; I am with XXXX XXXX XXXX. 

When I text STOP in response to their text, I get this response : " Your phone number can't be located. Please call XXXX. '' This text is from MRS BPO LLC, a debt collector. 

This communication is a scam of some sort; please handle this and stop this from happening to others. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid.

I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item.

According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary.

Furthermore, you have the ability to change the listing since you are the information furnisher.

Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP!

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Wells Fargo for wrongfully closing my credit card account in XX/XX/year>. Despite being a responsible customer who has never missed a payment, I found my account closed due to a payment issue that arose from a fraudulent incident. On a XXXX afternoon in XX/XX/year>, I made a payment of 25 % of my credit limit, believing all was in order. Unfortunately, my check bounced due to fraud, leaving the funds unavailable. XXXX days later, after resolving the issue with my bank and reapplying the funds to my Wells Fargo credit card before the due date, my account was abruptly closed by Wells Fargo XXXX after the payment did not clear ( XXXX business days, not XXXX weeks not XXXX  months, XXXX business days ), citing misuse of the card. Wells Fargo claimed that a {$2000.00} payment in XXXX and a {$50.00} payment in XXXX did not go through. However, aside from the {$2000.00} payment affected by fraud, my payment history has been impeccable. I even have a mortgage with Wells Fargo, underscoring my reliability as a customer. Despite my efforts to rectify the situation and plea with Wells Fargo to reconsider, they declined to reopen my account, causing a significant drop in my credit score by XXXX points across all three credit bureaus. Furthermore, the closure of my cash back card meant that {$25.00} in cash back rewards remained unapplied, which I rightfully earned. In light of these events, I am deeply troubled by Wells Fargo 's actions, which have not only damaged my credit but also left me feeling disregarded as a valued customer. Given the impact this has had on my financial standing and the apparent injustice of the situation, I am seeking the intervention of the Consumer Financial Protection Bureau to address this matter and seek resolution. I appreciate your attention to this issue and hope that your intervention can help rectify the situation. I have now after reaching out to a legal firm, they have ask me to open another case in attempt to re-open the account, after the team reviewed my case, they inform me that I indeed have a great case against Wells Fargo, for the purpose of the last payment mishap was due to fraud and upon looking into the credit card account documentation. They have found substantial evidence, and they are looking forward to taking on this case if Wells Fargo does not do the right thing. They also wanted me to point out this is not the first time Wells Fargo have provided the consumer a injustice and cost a consumer a great harmful hit on their credit score, I stated the first one that Wells Fargo was not true if the payment was tried again the next day from Wells Fargo and was completed, the second payment did not clear because of fraud. Thank you for your time and assistance in advance. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THIS COMPANY IS A PIECE OF XXXX FROM XXXX TO XXXX I WAS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAD THIS COMPANY IS MARKING MY PAYMENTS LATE WHEN THEY KNEW I WAS AFFEECTED DIRECTLY BY PANDEMEIC I DEMAND THESE ITEMS REPAIRED XX/XX/21 AND XX/XX/21 THESE PAYMENTS WERE AFFECTED BY PANDEMIC I SENT PROOF OF HOSPITALIZATION AND I SENT PROOF THAT I COULD NOT POSSIBLEY SPEAK OR WALK OR WORK IN ADDITION I PAID XXXX SO THESE IDIOTS NEED TO FIX IT THIS IS MY XXXX TIME COMPLAINING THEY IGNORE YOU AND THEY IGNORE ME I AM FINDING AN ATTORNEY TO SUE XXXX THEY ARE ALL FOREIGNERS AND DO NOT CARE ABOUT CONSUMERS. THIS COMPANY IS FRAUDULENT IN ITS PRACTICIES AND NEEDS TO BE HELD ACCOUNTABLE. I DEMAND MY CREDIT REPORT FIXED THE CREDIT CARE ACT SAYS I CAN NOT BE PUNISHED FOR BEING SICK REMOVE ALL NEGS NOW ITS SUPPOSE TO REPORT ON TIME AS REQUIRED BY CARE ACT
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts and inquiries associated with my credit file, as I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Please remove the following accounts from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$0.00} Additionally, I request the removal of the following inquiries as they were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report which showed unauthorized inquiries that I did not authorize. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries shall not be allowed to be placed on my file unless I have approved it. The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit. Thus, the unauthorized inquiries were fraudulently committed. 

Listed fraudulent inquiries : XXXX XXXX XXXX ( Inquired on XX/XX/19 ), XXXX XXXX XXXX ( Inquired on XX/XX/19 ), and XXXX XXXX XXXX  ( Inquired on XX/XX/19 ), Respondent, I also need to bring to your attention that there are several inaccurate variations of my name ( XXXX XXXX, XXXX XXXX XXXX ) in my file, and some outdated information ( several addresses ) on my current credit report. This information ( old addresses, and inaccurate variations of my name ) is more than seven years old and exceeds the statutory time period, under the Fair Credit Reporting Act., and they must be removed. Respondent, once your investigation is complete, please send me an updated/revised copy of my credit report, after these unauthorized inquiries have been deleted. 
Enclosing, I thank you for time promptly addressing this request letter and this matter. 

Sincerely Without Recourse By, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a alert from XXXX stating I had a new collection account. The company never sent me anything to even find out if the debt was mines. On XXXX/XXXX/XXXX XXXX sold the account back to XXXX the original amount was XXXX. Now this new collection agency is reporting XXXX. It is against FRCA to change amount in order to publish on someones credit file. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned in my XXXX auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this XXXX Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from XXXX or the XXXX dealer suggesting otherwise. 
It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from XXXXXXXX XXXX XXXX that would support this phantom fee of {$760.00}. 
What exactly is the fee for? 
Documents or photos that may support whatever XXXX claims this fee is for?
Product: Credit card or prepaid card

After trying to send funds to my Church /Pastor I discovered that my account has been able to send funds " I was in violation of sending funds " I bank with the US government, Military.. What violation exactly!! Once I continued to look a little further I discovered that the Cash App to send and Transfer Funds had Been hacked! I immediately called customer support I found out that Cash App doesn't have live representatives take calls, so I sent customer support and email here 's what I got : From XXXX Thanks for reaching out but we dont currently monitor this email. For help and to contact Support, open your Cash App and : Tap the profile icon on your Cash App home screenSelect SupportNavigate to your issueNeed more help? Tap Contact Support If youve already contacted Support and are following up about an existing issue, please respond to the last email you received and include the Case ID ( located in the body of the email ). 

Thank you, Cash App Support ref : XXXX : ref This was the additional email that stated this : Hi XXXX, After a recent review of your transfer of funds, we detected the use of Cash App for activity in violation of Cash App 's Terms of Service. As a result, you will no longer be able to use Cash App to send or receive payments. 

We are also exercising our discretion under Sections 4 and 5 of the Cash App Terms of Service in the decision to block or reverse your transfer of funds. For security reasons, unfortunately we can not provide more details regarding our decision. 

Visit theCash App Terms of Servicefor more information.

Thank you, Cash Support To be able to block or reverse money 's sent to a customer without explain or provide any details about how this decision was made on an accout that was hacked!!! Is very concerning so in other words Cash App ' a are the thieves! Is this what I'm understanding.. Your keeping customers money under a section 4 or 5 clause that says what exactly? If your account is hacked then we still keep your money!! 

Please advise on the next steps I've also made it very clear I'm not going to hesitate to prosecute any Hacker ( s ) to the fullest extent of the United State of America Law!