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

Spring Oaks Capital LLC is knowingly violating multiple federal consumer protection laws by refusing to remove a fraudulent account despite documented identity theft. 

Violations Committed : FCRA 1681c ( a ) Illegally re-aging the debt beyond its reporting limit FCRA 1681i ( a ) ( 7 ) Refusal to provide MOV ( Method of Verification ) FDCPA 1692g Failure to provide legally valid POV ( Proof of Validation ) Metro 2 Compliance Violation Reporting unverifiable information Dodd-Frank Act ( 12 U.S.C. 5531, 5536 ) Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) Georgia Identity Theft Law ( O.C.G.A. 16-9-121 ) Refusal to remove fraudulent information despite police reports Requested Action : Delete the fraudulent account immediately.

Investigate Spring Oaks Capital LLC for willful non-compliance. 

Impose fines for FCRA, FDCPA, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm reaching out to remind you about the issue with my credit records. I had asked Experian to get rid of a recent fraudulent inquiry, and I just want to make sure it's going to be gone when I update my credit report in the next 15 days. Here is the inquiry : EXPERIAN : XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I want to place a freeze on the XXXX XXXX XXXX XXXX, XXXX, XXXX, and TransUnion that provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance.
Product: Money transfer, virtual currency, or money service

I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XXXX XXXX, 2023, I fell victim to a multi-layered scam operation orchestrated by criminals posing as representatives from my Bank and XXXX ( the Fraudsters ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilising your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in your institution which is regulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a 90 day late payment being reported on my XXXX  XXXX account # XXXX for XX/XX/XXXX with XXXX, Trans Union, and XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?
Product: Checking or savings account

In XX/XX/2018 I instructed Citizens Bank to make an electronic payment using the Citizens Bank mobile banking app. The payment was for {$3100.00} and was to be sent to XXXX XXXX as the payment processing bank for my XXXX MasterCard which had been opened in XX/XX/2018. The payment of {$3100.00} was the full amount of the statement balance and my instructions to Citizens was this electronic payment was the be sent on XX/XX/2018 to in time to meet the payment due date of XX/XX/2018. By reviewing my bank transactions on-line on XX/XX/2018 I determined that the transaction had not been processed. I visited Citizens bank on Friday XX/XX/2018 and learned that Citizens had opted to prepare a paper draft drawn on my checking account and send it via mail in lieu of the electronic payment as I had instructed. The banks stated reason for this action was to protect my funds from being misdirected as in their experience, a paper check was easier to track than an electronic payment. The banks customer service person made calls to Citizens Bank payment processing departments as well as to XXXX  customer service department only to learn that neither Citizens nor XXXX could provide information as to the whereabouts of the {$3100.00} payment. In the following week, I learned that the paper check ( # XXXX ) that Citizens had prepared had been processed by XXXX XXXX XXXX for credit to their customer, XXXX. Over the next several months, I made several visits to Citizens, made several phone calls to Citizens, XXXX and XXXX, all to no avail. In XX/XX/2018, acting on Citizens instructions, I filed a sworn affidavit regarding a fraudulent check claim ; it also proved fruitless. Citizens instructed me to contact XXXX XXXX and/or XXXX, as in their words, Citizens had done what they were instructed to do and they could not assist me any further. I have filed a complaint with the Massachusetts AGs office and their efforts have also produced no results. This matter is now eight and one-half months old and I have incurred an additional {$170.00} in interest charges while trying to resolve this matter. I have a very detailed written description of these facts with account numbers, addresses and names and telephone numbers of people whom I have contacted as well as notes of the substance of each conversation. As of this writing, I am still without my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, AXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

Did my XXXX taxes at wells Fargo Bank at XXXX XXXX XXXX in XXXX XXXX, co XXXX sponcered by XXXX 's I was supposed to recive back my ( XXXX ) stimules checks which i havent recived as of this date XXXX XXXX ( XXXX ) check for {$1400.00} and another ( XXXX ) check for {$600.00} they both were placed in someone elses account ive worked with internel revnue services ive put traces on them ive gone through a irs advict to recover lost funds and noone can help me ive got day dates and times who i spoke to said the bank had so meny days to retreve said moneys from irs and still nothing while keep telling me going to take another 90 days so now im reaching out to your comp to see if you could help me someones has my moneys and cant get anything do about it ive gone through wells fargo bank went th ett ough irs the irs advict etc all this was started on XXXX and the account no ive got as well please help direct me and help get this resolved i e got a hardship over this whole thing i became homless living off grid please help thank you XXXX XXXX
Product: Vehicle loan or lease

I gave my security for a car loan and bank of America took my security and denied me access to my right to credit. They discriminated against me and then kept my security for themselves. They committed fraud. And denied my tender of payment.
Product: Bank account or service

I have had several issues with wells fargo bank from taking credits back before i.was informed per their.own.disclosure time as well.as customer service reps being.rude and hostile.on.the phone. Today i had yet another issue with being charged a XXXX dollar overdraft fee when i had previously called and spoke.witha. rep that told me i would have no overdraft fees accessed to.my.account because i had free overdraft protection. I called into customer service and spoke.with a very rude nasty disrespectful representative who put.my.on.hold.in.the middle.of.me talking because i asked.to.speak.with a supervisor. At this point i will pay the fee and close this account for.good once my deposits are finiahed tomorrow. This.is.the most unlawful, unethical.bank i have EVER had to.deal.with. i.would like this to.serve as a formal compalint and it.to.be fully.investigated as this bank.keeps.practicing fraud and poor customer service as well as unwarranted fee charging. There is.no.way i am willing.to.accept a XXXX dollar fee for.transferring XXXX dollars of my.own.money especially when.i was told that i did.not.have any fees at all.associated with my account. Then when.i.brought up what the previous rep.told me the current ladybi.spoke.with today began.to argue pretty.much that i had asked rhe wrong.question and got the wrong.answer without even.knowing.what the other.rep.told.me despite me requesting the previous conversation be reviewed. The most barbaric, unlawful, unethical banking institute ive ever had. Will be closing my.accounts tomorrow as well as moving family accounts from.wells.fargo.as well. Ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has been on my report for 7yrs 2 mo it should have been removed once it hit the seven yr mark I request that it be removed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXX XXXX and Equifax s Unathorized Reporting of Personal Information Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against XXXX, a credit reporting agency, for what I believe to be a violation of consumer law as outlined in 16 U.S. Code 1681b ( a ) ( 2 ). I am deeply concerned about the unauthorized reporting of my personal information without my consent, which is a clear breach of my rights as a consumer under the Fair Cresit Reporting Act ( FCRA ) I have never authorized XXXX, XXXX or Equifax to collect or report this information. This Unathorized reporting has had a negative effect on my credit profile and financial standing, potentially affecting my ability to secure loans, housing, or employment I have made multiple attempts to contact XXXX XXXX and Equifax to rectify this situation, but I have not received a satisfactory response or resolution from them I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX and Equifax complied with federal appropriate action to ensure that XXXX complied with federal consumer protection laws. Furthermore, I would appreciate if you could keep me informed about the progress and outcome of your investigation Enclosed with this complaint are copies of relevant documents. I appreciate your prompt attention to this matter and your commitment to uphold consumer rights. 

Thank you for your assistance on this matter Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Num ), has violated several of my rights.15 U.S.C 1681 section 602 A. Clearly states that 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 16668 : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpos Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reparting Act
Product: Credit reporting or other personal consumer reports

According to 34 CFR Part 99 Family Education Rights and Privacy, the credit agencies Experian, XXXX, and XXXX are listing my confidential information regarding student loans on my credit report without my written authorization. The XXXX of XXXX Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution. 

Experian is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. In compliance with FCRA Section 605B, I request that you investigate this matter. If you find the information unverifiable, I ask that you promptly remove this item from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state OHIO.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I am in total disagreement with your investigation response. Inaccurate information still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Unauthorized unknown person used card number to make purchase. Chase refuses to use due diligence to resolve. They keep billing me for this thiefs purchase. They did not contact detective or store according to both. I have file police report and notified as soon as aware of fraud.
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, I selected to setup Autopay for minimum payment. Synchrony Bank system configurations disregarded my selection and replaced it with pay statement balance. In XX/XX/2022, the electronic payment was executed, and funds were taken from my account. Not only were funds deducted from my bank account, derogatory information was reported to all three credit bureaus. 

I contacted Synchrony to correct the error. Synchrony processes would not correct the matter immediately ; therefore, I requested a stop payment against the electronic payment. Later, Synchrony sent a check which made things more complicated. After this transaction, statements showed my balance to be {$11000.00}. In addition, credit reports reflected that I exceeded my credit limit of $ XXXX, which resulted in my credit score dropping drastically. 

Still today, they are reporting the incorrect high credit balance on all three credit reports.
Product: Student loan

This is the third complaint I have filed against Navient. I have found documentation concerning my loan consolidation in XXXX. I am being denied XXXX forgiveness and XXXX Loan forgiveness due to Education services Act of XXXX. On XXXX/XXXX/XXXX I went to XXXX XXXX XXXX XXXX at XXXX ( XXXX XXXX ) XXXX  XXXX XXXX XXXX and was educated on different information placed in my student file. 
There was a hardship clause placed in my student file. I filed bankruptcy in XXXX XXXX. 
According to XXXX XXXX who purchased/repurchased my loans in XXXX/XXXX/XXXX there was no debts charged off. The young lady @ XXXX XXXX Student Loan 's office stated some of my loans were XXXX. I had forgotten but XXXX/XXXX/XXXX I found a note where I had spoken to customer service XXXX stated that XXXX XXXX XXXX XXXX XXXX had paid my student loan number 1 and 2 in the amount of {$25.00} dollars in XXXX XXXX. My balance due was {$24000.00}. Please help me understand that today XXXX my student loan balance is over XXXX dollars.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, WI XXXX [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Dispute of Charge-Off Reporting Dear [ " To Whom It May Concern '' ], I am writing to formally dispute the charge-off status of my account, [ XXXX ] as it appears on my credit report. I believe that this account should not be reporting an amount due. As per my records, the account was charged off on [ XX/XX/XXXX ], and I have made reasonable efforts to settle or negotiate this debt prior to this designation. According to the Fair Credit Reporting Act, a charge-off indicates that the creditor has given up on collecting the debt, which may mean that the reported balance should not reflect an amount due from me. I kindly request that you review my account and update your records accordingly to reflect that there is no amount due. Additionally, I would appreciate a confirmation of your findings and any adjustments made to my credit report. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the fraudulent accounts listed below due to my status as a victim of a recent data breach. These accounts were opened without my authorization, and I request that you take action to block and remove them in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant victims of identity theft the right to have fraudulent information removed from their credit reports.

Accounts to Be Blocked and Deleted : 1. XXXXXXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account type FHA Mortgage Company reported mortgage payment 30 days late even thought payment was withdrawn processed.Also my account is on auto pay.I was alerted by XXXX of the 30 day delinquency and called the company they indicated there was an error and they sent back the payment.There only resolution was for me to pay manually and pay late fee.This has has to be illegal I've had my mortgage since XXXX  and not have one single missed/late payment because have my auto payment set up.They referred me to contact the credit bureau instead of address the issue directly.
Product: Credit card or prepaid card

Through XXXX XXXX, I searched for prepaid bank card to make purchases and pay bills online. Feared using my bank account where I have auto deposit. I pay XXXX to load my money on the card for purchases and bill 's. I went to check the balance on my prepaid card due to a airline ticket refund, XXXX XXXX. It showed the refund and the card was suspended. I could not access my money. I contacted the company and after several conversations with them, I learned that the customer service was not just customer service. When I accepted the card, I was led to believe that the card was issued by XXXX, a US FDIC insured bank. They issue the card but they can not access the account because they sell our accounts with our identification, social security numbers, birthdate, personal information and if we cash a check, they get that information and they have access to our credit reports, employment and if we use auto deposit, they also get our parole information. The disturbing problem is, the buyers are a offshore nonbank. This is who our accounts are being sold to by XXXX. They say they dont, but I asked the woman on the phone who they were because of her broken english as well as others at this phone number. After hounding her because I could not understand her, she told me how they purchase the accounts and laws don't apply to them because they are offshore, in another country, not the USA and they are a nonbank. The account is closed but they continued to pay theirselves a maintenance fee on a closed account that I am not able to access when it is my money that I paid to put on this card.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute Pursuant to 15 USC 1681n Dear XXXX, I am disputing inaccurate information on my credit report as provided by XXXX XXXX. This notice is pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681n. 

I dispute the following inaccurate information : [ Clearly state the inaccurate information being disputed. ] I demand immediate investigation and correction of the disputed items as required by law. Failure to comply may result in civil liability under 15 USC 1681n. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. 

Sincerely,
Product: Checking or savings account

Citibank offered a promotion if a checking account was opened, so much was spent within a specified time on the debit card attached to the checking account, and qualifying bill payments were made out of the account. The promotional offer was XXXX miles on XXXX XXXX. When all of the conditions were met, Citibank claims that the automatic bill payments were not made -- which is factually false -- and now refuses to credit the bonus miles.