23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My previous letters highlight your many violations of my consumer report under several consumer laws. Your recent response displays your company Spring Oaks Capital as a habitual and arrogant violator of law as you admit that Spring Oaks Capital perseus Conclusive presumption of worthless debt once it has been declared a Write off or Charge off under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ) .Your company Spring Oaks Capital has violated my rights as a taxpayer by not providing me with a 1099-C to report income to the IRS under the Taxpayer Bill of Rights and Federal tax law Internal Revenue Codes of 1986 ( IRC ) .The Consumer laws are as follows 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Definitions and rules of construction, 15 US CODE 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) Obligations with respect to disclosures of personal information, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].
Product: Credit reporting or other personal consumer reports

This account needs to be investigated, as the charge is incorrect. My contract with XXXX XXXX XXXX ended ( XXXX refused to replace a non-working phone after I paid for insurance. I had them for 12 years and I refused to enter another contract to purchase another device because the contract was up and the device paid in full ). I made the switch which the new provider pays any early contract term fees ( but this was not needed because the contract was already up ). This account needs to be verified as correct. Stop putting things on my credit report that you havent properly investigated and when I request an investigation dont give me a status the next day because XXXX  XXXX XXXX didnt verify anything with you less than 24 hours later!!!!!!! I want an ACTUAL investigation not you just saying you did one and marking the dispute closed.
Product: Debt collection

Today I called on this letter I received in the mail today from Diversified Consultants , INC . So I ask the employee she never told me her name if I could have the fax number for this company so I can send them document. She informed me that they dont have a fax number. I than said okay via email she said no. I said okay how can I send a prodocall XXXX ways to notify company of this document? I'm needing to fax or via email and regular mail. This is against our right as consumer 's. She again told me to send to this address Diversified Consultants, INC. XXXX. XXXX XXXX XXXX, FL XXXX. Phone number XXXX. Needing them to release the following information to me stop dragging thing out.
Product: Mortgage

My husband and I were wrongfully foreclosed by Nationstar Mortgage XXXX while under the written promise " your house will not be sold '' and the assumption our handful of modification submissions would finally be resolved. Nationstar Mortgage had no intention, ever, or the ability to honor such a request as we found out after a long investigation with the Department of Treasury. We sought the help of CFPB and opened a case XX/XX/XXXX. Nearly XXXX year to date and after a long year of Treasury investigating we are still fighting Nationstar Mortgage. Customer Relations XXXX XXXX XXXX @ Nationstar Mortgage provided a letter to us and CFPB acknowledging " an error occurred in the foreclosure process '' and that " the parties are in active settlement ''. As of XX/XX/XXXX Nationstar Mortgage submitted documents in federal court with this exact statement. " Plaintiffs ' claims are without merit. Nationstar properly complied with all applicable state and federal laws in the servicing of Plaintiffs ' mortgage loans, and Plaintiffs were not damaged in any way by any action or inaction of Nationstar. Accordingly, Plaintiffs ' Complaint is without merit and should be dismissed. '' Our case with Department of Treasury and CFPB was closed due to Nationstar Mortgage in agreement to settle with our family. Just as Nationstar mortgage had no intention to ever follow the non gse guidelines set forth XX/XX/XXXX or any intention to follow through on any modification, they never had any intention to even attempt to settle with our family. It is our families greatest hope that all eyes and ears will be on Nationstar Mortgage always.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempt to resolve issues with my Credit report with XXXX through online/certified mail/and phone calls XXXX refuses to remove errors on my account. They also are not investigating my account thoroughly and sending me a letter of their findings. When I dispute my account what is happening now is they will resolve the dispute hours after I submit it. I know darn well they have not contact any company of am asking for this company to remove my personal information out of there system and remove all illegal information from my reports. I know they have not received any documentation in that time frame thats unacceptable. My personal information has been compromised twice with this company through a data breach and they have yet to resolve the issue.
Product: Debt collection

XXXX XXXX XXXX completed the move out on the home I rented from them that was left clean and in proper move out order and free of any damages ( I have photo proof ).. They charged me and are attempting to collect over {$6000.00} in damages and repairs with no proof. There is no mov out inspection form forwarded or pictures of any damages or any receipts. The home was under renters insurance and any damages if notified could have been filed there. I was not notified until almost a year after move out. I went to the home two weeks after move out and new tenants were there.. the home had the same fixtures, doors, windows, floors and everything that was there when I moved out, nothing has been replaced. 
I reached out to XXXX XXXX XXXX and their collection agency Absolute Recovery and provided my images ( date and time stamped ) and the condition at move out proof in an effort to have the damages removed as they are fraudulent. The home was left with normal wear and tear after 4yrs of occupancy. Neither of the two have responded and the letters were sent certified with signatures. 

This company is placing fraudulent inflated debt on my credit report with no proof. I only owe rent that is mentioned which would be the {$3000.00} minus {$1000.00} security deposit which is {$2000.00} which I am prepared to pay in full and have this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW Please carefully read the following. 

Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). 

I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft.

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX XXXX. / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I dont ever recall giving you EQUIFAX any consent to furnish anything on my credit report nor did you ask for permission as you are required, im aware that i can opt of of your agency which has violated my rights but pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnished on my consumer report it has caused me major financial distress and has caused me to lose my confidence in the banking system. This has been an invasion of my individual privacy. If EQUIFAX wants to continue doing business with me, They should delete these inaccurate accounts off my consumer report.
Product: Debt collection

RE : Jefferson Capital Systems , LLC, a debt collector I learned from viewing my credit reports that the debt collector re-aged my debt when reporting to all three credit reporting bureaus. Re-aging a debt is the act of reporting an inaccurate date of first delinquency to a credit reporting agency. According to the law, Fair Credit Reporting Act ( FCRA ), the date of first delinquency is shown in credit reports. Subsequent activity, such as one debt collector selling the debt to another collector, is irrelevant, particularly to the 7-year rule outlined in the FCRA. The start of the 7-year period begins at the date of first delinquency, or if no payments are made, when the first payment was due. Unscrupulous collection agencies, such as Jefferson Capital Systems, reset the date of first delinquency to stretch out how long a derogatory account appears on consumers credit report. This is illegal under the FCRA.

In the case of my debt, the first date of delinquency is over five years old. Jefferson Capital Systems , LLC has reported the date of the debt as only two years old, XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was asked by a potential employer to use first advantage to do background and drug screen, I'm going to way way summarize, essentially the employer misinterpreted my results, refused to speak with background check company, and I was never given adverse action paperwork, or the chance to dispute the issue, before my formal job offer was rescinded. There is a ton more to the story. I have literal recorded calls regarding the fact the info was wrong. The employer told me I failed for adulteration of my sample, background Co states that is unequivocally untrue.
Product: Debt collection

Chase Marriott Card XX/XX/2020 Caller left me a voicemail regarding a correspondence along with a phone number to call them back. Called phone number and spoke with agent. She would not connect me with the other party, nor provide details to what the original call pertained to. 

Representative kept repeating the same question and telling me I was being argumentative and unwilling to provide her with the details she needed to connect the call the correct party even though I provided a word-for-word account of the message that was left for me. 

Representative then threatened to take immediate negative action on my account if I would not set up a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wf Bank Na I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I applied for the card for XXXX XXXX XXXX they told me would be no hard inquiry once i got one I took care of this right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
Product: Bank account or service

After incurring an unwarranted fee, I attempted to close my checking account. I requested that my remaining funds be distributed as {$150.00} in cash and the remainder in a check. I signed for {$150.00} and was handed a cashier 's check for what I thought was the remainder, which I was charged a {$10.00} fee for. Later in that week I was sent an overdraft notice, saying that I was {$150.00} overdrafted. I attempted to determine how this could be online, but BOA had canceled my online account which prevented me from accessing my financial records to verify. When I went to the bank, after waiting for 30 minutes I was informed that the {$10.00} fee was made in error, further the banker acknowledged that through the teller 's negligence that the bank had overpaid me, causing the overdraft. I have no desire to spend even more of my valuable time to settle the account - as I view the {$10.00} fee in conjunction with the facially deficient closing of the account, along with the extended wait time, to be retaliatory to me closing the account. Further, when I went in to settle the matter and expressed interest in contacting the CFPB to settle the matter, the bank manager strongly suggested that I settle the account because " it could go into collection '' or be bad for me down the line - he said I was free to file the complaint but continuously pressed for me to settle the account to avoid future negative outcomes.
Product: Credit card

Basically, this card from Citibank increased my rate to 29.99 % as soon as the fed started raising rates. Now that the Fed has started cutting rates, they still have me at 29.99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE BANK USA Inquiry Date XX/XX/2021 This is not mine.
Product: Debt collection

I received the first call several days ago and asked the agent to stop calling my number. 
XXXX called on XX/XX/21 ( Agent ID XXXX ). I asked her to cease calling my number. 
XXXX called on XX/XX/21 - he refused to provide his agent ID and repeatedly asked who he was speaking with rather than responding to my questions. I asked for a Supervisor. I spoke to XXXX XXXX who claimed to be the operations manager. I asked him to cease calling as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alright so back on XX/XX/2017, i made a car purchased and the dealer sent out inquiries to alot of lenders, i need help getting this disputed from my credit report, if you guys can help me that would be awesome. Please and thank you.
Product: Credit card or prepaid card

On XX/XX/2023, I got three emails saying my XXXX XXXX XXXX online account was changed by someone else. I couldn't log in and went to the bank the next day to reset my credentials, but they were stolen again. After another reset, I downloaded XXXX and found malicious credit accounts in my name. XXXX showed more unauthorized accounts. I think my SSN and ID were taken. My XXXX was hacked, losing {$300.00} to scammers. They kept making unauthorized transactions. I deactivated my XXXX XXXX XXXX cards. 
I reported it to Identifytheft.gov and the report record is attached here.
Product: Credit reporting or other personal consumer reports

Hard Inquiries
XXXX XXXX XXXX
Inquiry: XXXX XXXX XXXX
Finance/Personal XXXX XXXX
XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non
specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non       XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX
Balance
XXXX
Highest Balance XXXX
Opened XXXX XXXX XXXX XXXX XXXX           EQUIFAX
Original Creditor
Name XXXX XXXX XXXX XXXX
Closed No Info XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX- INQUIRY
Closed

XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX  Reported: XXXX XXXX XXXX
XXXX- XXXX  EQUIFAX

XXXX XXXX XXXX XXXX
Inquiry: XXXX XXXX XXXX 
Bankcard
Product: Credit reporting or other personal consumer reports

Hey these is my third time disputing inaccurate information and these company have violated my rights. Accordingly to 15 us code 1681 and 15 us code 1681b and 15 us code 1681 c-2, 15 is code 1681 s-2, these laws are violated and I want this law put in place. Please remove these accounts. The data is wrong on these accounts, XXXX XXXX and XXXX XXXX service.
Product: Debt collection

XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of a XXXX XXXX   overdraft of {$700.00}. The associate was extremely rude and used communicative tactics that were definitely out of compliance as well as bullying verbage. 
XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of {$700.00} overdraft. Once again the same young lady was EXTREMELY rude with her verbal tactics. She asked me questions that I answered without hesitation but was not happy with me stating I was paying the debt directly to the bank. She commenced to state " it's too early for you to be this rude ''. I hung up and called back and specifically asked XXXX for a Manager. I was forwarded to XXXX XXXX XXXX # XXXX who informed me he was not a Manager, but a supervisor. I clarified his statement by saying " A floor Supervisor is a Lead, not a Manager '' and I requested a Manager once again. XXXX XXXX  stated the Manager, XXXX XXXX, was not available and would call me back. Due to the fact that he was also tiptoeing on the line of lack of professionalism, I requested to speak to Human Resources or the individual with stature above him that was currently present and was again denied. XXXX stated that the company protocol was to speak to a manager before anyone else. When I reconfirmed there was still no Manager per his advisement so I needed to speak to a higher ranked individual, he repeated company protocol. I then asked XXXX XXXX # XXXX what date was the quoted handbook created, updated or revised he could not answer me and began to state I'm asking for information that has nothing to do with my debt. When I asked XXXX why he couldn't process my complaints, he stated a Manager has to do that which I know to be incorrect as a former XXXX XXXX in the XXXX XXXX of a XXXX XXXX XXXX. I plan on filing a lawsuit against this company in the near future as well as filing additional complaints with the XXXX XXXX XXXX and The Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account CAPITAL ONE Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately This account was paid