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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SPRINGOAKCAP, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouris identity theft and credit reporting laws.

It has unequivocally come to my attention that SPRINGOAKCAP has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. 

I assert with unwavering certainty that I have not provided consent for SPRINGOAKCAP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. 

I demand, with the utmost certainty, that SPRINGOAKCAP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SPRINGOAKCAP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I have tried to apply to refinance my existing car loan. I have been declined for credit due to an excessive XXXX  ratio. I was declined for credit all together or given less favorable and affordable options. The reason for the excessive XXXX ratio is due to the error of XXXX XXXX XXXX XXXX. My conventional mortgage was originally issued as a joint mortgage with my spouse. It is currently listed with only myself as the borrower. This removal of my spouse has created a problem for me based upon what is being reported to the credit bureaus. I would like to be able to follow through with being able to receive credit without being discriminated against due to an error in reporting from the existing mortgage lender, XXXX XXXX XXXX XXXX. My inability to refinance my car is now causing an issue for me to not be able to get a good rate and lower payment. This has caused a financial hardship for me.
Product: Credit card or prepaid card

BOA XXXX card missing with fraud suspected BOA wants XXXX dollars to replace Negative balance of XXXX dollars with close to XXXX dollars in pipeline for deposit. 
Nearly 30 year customer of Bank of America XXXX of XXXX dollar charge denied and replacement card refused. 

Predatory Retaliation Greater Potential for XXXX XXXX Bank of America thanks in part to Assistant Vice President in XXXX XXXX XXXX efforts to evidently sabatoge my financial well being. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and thousands of other people at risk. I also mentioned I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Debt collection

I started receiving numerous phone calls in XXXX. They left voicemails asking me to call them back but never said why they were calling. When I called them back they told me my payment was missed. I informed them that I had paid my most recent payment. The calls still continued. It got to the point where I started saving their phone numbers into my phone as Spam. Again, they never said WHY they were calling when the left messages. I spoke with a handful of different people and had 4 different names and numbers saved as spam in my phone. In XXXX I received a call again and returned it so that I could put a stop to their phone calls. At this point the representative pulled up my history and explained there was a missed payment from way back in XXXX. ( None of the previous reps had stated this ). At this point I secured a payment date and paid on time. I still received another phone call the very next day from the same rep. Again he left a message without the reason for his call. This is ridiculous, time consuming and quite a headache and I do not understand why they call so much, were uneducated as to why they were calling me, and nobody could explain the back-dated late payment.
Product: Debt collection

I recently viewed my credit report and found a debt listed by Diversified Consultants for {$1000.00}. I mailed a Debt Validation Request via return-receipt mail on XX/XX/2017. The company did not respond. I have no knowledge of this debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding XXXX XXXX repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite resolving a recent dispute and removing an inaccurate account from my credit report, XXXX XXXX has a long history of inaccurately reporting this same account, which has caused significant financial and emotional harm. Evidence from my XXXX FTC identity theft report and a police report proves that this account was flagged as inaccurate years ago. Yet, XXXX XXXX has continued to report this information to consumer reporting agencies ( CRAs ), violating their obligations under the FCRA. 

Details of the Complaint : Nature of the Issue : XXXX XXXX inaccurately reported an account under my name to the consumer reporting agencies. I am not responsible for this account, as documented in my XXXX FTC identity theft report and police report. 
Despite previous disputes and resolutions in XXXX, XXXX XXXX resumed reporting this inaccurate account. 
Most recently, XXXX XXXX removed the account again after a dispute I filed in XXXX, which confirms their error. However, the harm caused by years of negligent reporting remains unresolved. 
Violations of Law : FCRA 623 ( a ) : XXXX XXXX repeatedly failed to ensure the accuracy of the information they provided to consumer reporting agencies, despite being on notice as far back as XXXX. 
FCRA 623 ( b ) : XXXX XXXX failed to adequately investigate disputes and take corrective action to prevent future errors. 
Case Law Supporting Violations : Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ) : Reinforces the duty of furnishers to ensure accuracy and take responsibility for harm caused by inaccuracies. 
Cousin v. Trans Union Corp., 246 F.3d 359 ( 5th Cir. 2001 ) : Establishes liability for repeated inaccuracies and harm caused, even if resolved later.

Harm and Damages : Credit Score Impact : The repeated inaccurate reporting of this account negatively affected my credit score over the years, limiting my financial opportunities.

Emotional Distress : The ongoing stress of disputing this account repeatedly, along with the financial impact, has caused significant emotional harm. 
Financial Harm : Due to the damage to my creditworthiness, I have been denied credit and subjected to higher interest rates. 
Consumer Reporting Agencies ( CRAs ) : CRAs ( XXXX, XXXX, TransUnion, XXXX ) also bear responsibility for failing to flag and suppress this inaccurate information despite documentation from my XXXX FTC identity theft report and police report. 
Under FCRA 611 ( a ) and 607 ( b ), CRAs have a duty to investigate disputes and ensure the maximum possible accuracy of consumer reports. Their failure contributed to the harm I have suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter shall serve as formal Notice of my Intent to file lawsuit. 

Credit Bureau has been delivered by registered mail both a dispute letter, as well as a follow-up letter. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX 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/year>
Product: Credit reporting or other personal consumer reports

I saw a hard inquiry on my credit report back in XXXX made by JPMCB on my XXXX and XXXX credit reports. I called all three companies to notify them that I didn't authorize the inquiry and it was not made by me. I then put a freeze on my credit with all three credit bureaus. I was told it would take 2-3 months for the inquiry to be removed by JPMCB, XXXX, and XXXX. I've recently removed the freeze from XXXX, XXXX, and XXXX. The changes haven't been made and it's been 5 months.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury. This has caused defamation of character, which violates the fair debt collection practice act. I am not able to find a job or apply for credit under this crisis and your company has hurt my ability to obtain credit Under the law 15 U.S.C 1681 ( b ). You are also in violation of law 15 USC 1692 ( f ) ( g ). You are violating my rights. On XX/XX/year> I sent a debt validation letter to XXXXXXXX XXXX as well as TransUnion, XXXX, and XXXX. I didn't receive a response back from XXXXXXXX XXXX and the credit bureaus.
Product: Money transfer, virtual currency, or money service

Cash app has failed within 8 months to implement ATM cards
Product: Credit card or prepaid card

I have a XXXX XXXX with Synchrony Bank and purchased several items on EASY PAY. XXXX states that no interest will be charged on the easy pay plan and interest is indeed being charged. I called the company and they reversed only 1 month of fees stating that they will do nothing further. I maintained that the TV hosts during the presentations always state that no interest will be charged on EASY PAY payments. I was told after the fact that this is only the case when the bill is paid in full. 
This is deliberate misrepresentation and I am being charged nearly {$30.00} interest on the EASY PAY total.
Product: Credit reporting, credit repair services, or other personal consumer reports

FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.

Also, THIS COMPANY IS IN VIOLATION OF 15 USC 1681N IN THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-. 

XXXX XXXX XXXX XXXX ACCT # XXXX .... Balance : {$0.00} COLLECTION XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX .... Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In late XXXX, I noticed late payments from a Capital One account on my credit report. I found, I was an authorized user on a relatives account, so I requested to be removed and for the late payments to be removed as well. Capital One advised me to contact the credit bureaus pertaining to the late payments. 

On XX/XX/XXXX, I reached out to XXXX, explained the situation, and was assured it would be handled. However, a month later, I found that the account was no longer listed when I tried to pay my BJs balance on My Mobile App. I immediately contacted Capital One and learned that XXXX had reported the account as fraud. 

I spoke with a supervisor at Capital One, who instructed me to send a notarized letter with my name, address, Social Security number, and confirmation of ownership of the account. Capital one XXXX assured me the account will be Reopened. 

I followed the Capital One supervisors instructions to send a notarized letter taking ownership of the account. However, when I called back in late XXXX I was told it was being investigated, I then called back the end of XXXX and was told the account would not be reopened and the debt was owed. The representative was rude and unhelpful very solution focus and unprofessional. This has been such a uneasy experience. I do not think this is fair treatment what so ever I simply begged for a further investigation into this matter. 

I contacted XXXX again and spoke with agent named XXXX. He confirmed that a previous agent disputed the XXXX account and other capital one accounts. XXXX confirm the time and date I spoke to agent, although he would not provide a first name he gave me a file number XXXX. XXXX advised no further action could be taken. He mentioned that the dispute was filed as an account not associated with my name, effectively treating it as fraud with the creditor. 

I expressed my frustration and then requested that this issue be reviewed for training purposes to prevent similar problems for other consumers. The BJs account is crucial for my daily needs, and this situation has been extremely stressful for me. 
This situation has caused significant emotional distress, and the agents Ive spoken with have been unresponsive and unsympathetic. I am caught between Capital One and XXXX, with neither taking responsibility for their agents mistakes or providing clear guidance. 


I requested the Original Dispute Submitted On XX/XX/XXXX They denied me access to it. 

I requested a copy of the letter I sent to Capital One accepting ownership, to submit a copy with complaint and they denied sending me a copy. - I did not copy document as I was confident this would be easily rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is stating I have " XXXX '' that is effecting my credit score and I have not collections in the " collections sections '' Please see attachments with dates. Please correct the error.
Product: Credit reporting or other personal consumer reports

I requested the investigation and documents that prove I gave XXXX permissible purpose to furnish this account XXXX in my consumer report. They have not responded to my letter I sent on XX/XX/23 in which they received on XX/XX/23. This is a violation of the Federal Trade Commission & Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have a credit card with Synchrony Bank Credit card ending in XXXX which I opened in XXXX and had a credit limit of {$2500.00}. I have paid on this card monthly and never went over the limit. I also have at times paid more than required. Given the pandemic I did bring this card close to the limit however have not went over the limit and have always paid my payments on time. 
I recently on XX/XX/XXXX made a payment of {$500.00} on this card as an effort to improve my debit to credit ratio which in turn would improve also my credit scoring. 

Well come to find out when my statement for XXXX generated SYNB decided to drop my credit limit to {$2100.00} JUST enough to allow their " interest '' to post to the account but keep my debt / credit ratio on this card near 100 % I am sorry but that is very shady business. They would not have been able to drop my credit limit to {$2100.00} if I had paid the traditional required minimum payment.. Clearly they saw an opportunity to ding me for paying a significant payment on this card. 

I reached out to their customer service on this matter and was told " We can do whatever we want '' I want SYNB to be investigated for being descriptive and playing games with their customers. Clearly if I had NOT paid {$500.00} on this account they could not have dropped the Credit limit by {$390.00} dollars..
Product: Mortgage

PNC Mortgage told me that since I was paying off my debt in full XX/XX/XXXX that we had an agreement. I checked my credit report and they have reported me as late which has caused my credit score to plummet AND CAUSE ME TO LOOSE ON BUYING A NEW HOME. I am going to be homeless now because PNC refused to remove the negative remarks off of my credit report by the time I was due to get a new mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX of 2022, I requested that TransUnion verify or remove inaccurate information from my credit profile. I received a response with " Updated '' information, which was NOT requested. Again, I sent in another dispute in XXXX, and XXXX and got similar responses ( attached ). To this day, NO verification source, documentation nor evidence has been provided to support these claims of being " verified '' other than claiming the creditor confirmed the account is mine, again with NO proof. These responses seem to be a computer generated response to dispute requests and has caused me to not qualify for financial products I am entitled to. ( also attached is a denial letter ). 
TransUnion AND the following companies violated the laws of 87 CFR 41243, 15 U.S.C. 1681b and FCRA 604 ( a ) ( 2 ), by providing, submitting and/or furnishing negative financial information to credit reporting agencies, WITHOUT written authorization from me, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You keep XXXX with my credit and score get this XXXX right and stop playing around with peoples lives Im sick of this XXXX how XXXX XXXXXXXX do I drop XXXX points in one day due to incorrect information and 1 inquiry even the lady at FICO XXXX said shes never seen anything like this before in her 20 year career
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a dispute with Experian and they received it on XX/XX/2021 with a certified mail return receipt.. I have not received any results from my dispute. Also have not received my consumer report and Consumer File.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

First, how and when the capitalized interest was applied was not fully explained. The impact of deferrals/forbearance was not explained. 
Second, I dont think that the capitalized interest is being calculated correctly. I have been paying regularly on my load for 10 years and the principle has not gone down. I feel like I am in a situation that I will die with. The interest is ridiculous. I contacted Navient to ask them the explain how and why I have received each charge of capitalized interest. They referred me to my account history. The account history does not show how it was calculated. I have paid $ XXXX in interest and $ XXXX on the principle. I have pad a minimun of {$200.00} a month for 10 years.I will die before this is paid off. 
Attached is my payment, interest file