23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute an item on my credit report related to the account with SPRING OAKS CAPITAL LLCThe information provided by this collection agency is inaccurate and is negatively affecting my creditworthiness. I request that you investigate and correct this issue promptly. Details of the disputed item : - Creditor Name : SPRING OAKS CAPITAL LLC- Creditor Address : XXXX XXXX XXXX XXXX XXXX VA XXXX -Account Name : SPRING OAKS CAPITAL LLC- Account Number : XXXX Description of Inaccuracy : Collection agency has not provided validation information under 12 CFR 1006.34B5, yet they placed collections on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34C4. The collection agency is violating my consumer rights by using false, misleading, misrepresenting, and deceptive means. They have is valid. no authority to furnish this account to a consumer reporting agency without providing all disclosures required by law, which is a clear violation of 12 CFR 1006.34D and 15 USC 1681S-27A. I hereby instructing you to cease collection of the debt until you resolve this possible reporting error with the creditor. I am asking that you do not contact me nor anyone else except the original creditor about this collection. In addition, I want to ensure that you are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report anything else to the bureaus until you have furnished proof to me that the account Also, I will need you to furnish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that you are licensed or legally authorized to collect on a debt in my state. Proof that you are licensed or legally authorized to collect on a debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process. Proof that the original creditor authorized you to collect the debt on their behalf. The original creditors name. Details on when the account first went into a delinquent status since that is the dare required as OPEN DATE on the collection account I kindly request that you : 1. Conduct a thorough investigation into this matter. 2. Correct any inaccuracies promptly. 3. Provide me with written confirmation of the resolution. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate and respond within 15 days. I appreciate your attention to this matter and look forward to a swift resolution. Please do not contact me until you have collected and sent this information to me at the address on this letter. You do not have the authority to provide this address to the credit bureaus as an updated address for the account. If prior authorization was granted, I hereby revoke any authorization to discuss this account with any 3rd party such as my work, family, or anyone other than me. Please acknowledge that you have received this notice. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report. Under 15 U.S. Code 1681e ( b ), collections must be 100 % accurate across all three credit bureaus. The information I am disputing is as follows : You have failed to respond to any of my disputes that were mailed out this year and I mean any of them. 

XXXX  - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. 

XXXX - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. 

XXXX XXXX - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. - I have previously requested that you investigate this information, and you have failed to rectify the errors present in my credit report. This is not the appropriate time for an update ; I demand that you promptly DELETE this inaccurate information from my credit report. 

XXXX - XXXX - Please verify. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me I request validation of this debt under 15 U.S. Code 1692g - Validation of debts. If the information is not provided or the false reporting is not removed, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX ), you may be liable for willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Please investigate this matter and correct the inaccurate information at the earliest. I have attached copies of my credit report with the disputed items highlighted for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have received a notification that XXXX XXXX  ( XXXX XXXX ) has made a hard inquiry on my credit repot on XX/XX/2024 without my consent. I haven't shared my credit/social security with any company lately. Not sure where they got my information from. I would like to have the inquiry removed from my credit as I didn't authorize it.
Product: Credit reporting or other personal consumer reports

I received notification back from the XXXX XXXX XXXX XXXXXXXX XXXX District XXXX XXXXXXXX that states they do not provide information to third parties or credit agencies. Under the Privacy Act of 1974 and the FCRA ( XXXX USC XXXX ), any and all authorization that they believe that I have given to them, they no longer have the bankruptcy needs to be removed immediately.
Product: Money transfers

I have an account with the Paypal service, the service works by allowing me to transfer money into an online account then pay for things online that accept Paypal payments. I have had this account for many years, and the way it always worked I had to wait for the bank to transfer the money into the Paypal account, it took between three and five days to complete my transfer of money, and if I did n't have the money in my paypal account I could not purchase anything with the account. I was using this account to pay for my phone bill with XXXX XXXX, I allowed XXXX XXXX to acces my Paypal to pay my bill monthly, I decided in XXXX of last year to stop the subscription on my XXXX XXXX phone, I attempted on line to cancel then went to my paypal and as a measure of insurance to cancel my Virgin subscription I made sure ther were insufficient funds in my account with Paypal. When a request came to my Paypal account from XXXX XXXX Paypal instead of refusing the payment since I had insufficient funds decided to go into my checking account without my permission and pay XXXX, and they did on the day they requested payment, I called Paypal and requested a copy of my authorization for Paypal to remove funds from my checking account without my direct or even my indirect consent, XXXX XXXX XXXX agreed toreturn XXXX of the XXXX payments that were made before I caught what they were doing, Paypal XXXX that there is no problem since they did not profit. I do not agree with their assessment that there is no problem, for XXXX this is a huge problem that they would give a company access to my checking account without my approval. for any reason, and that they not only transferred the money without my approval, but they did it in XXXX day, something they would n't do for me, and that Paypal even paid them when if I had put in a request for payment above my Paypal balance would be refused. I am so angry about their complete lack of respect for me as an individual and the courtesy they extend another company, even if they have to steal my money to make XXXX happy. I still have XXXX charge of {$44.00} that XXXX wo n't refund, and I think that Paypal not only owes me for that XXXX payment but I think there should be some form of punishment to Paypal for such an obvious overreach.
Product: Vehicle loan or lease

Did y'all know there is a clause in our original contracts that pretty much says US Auto Sales has the right to transfer our contracts to another financial institution at any time?.. 
.. Well XXXX XXXX XXXX is NOT a financial institution, it a debt collection agency! How do we know this? Because by Federal Law they have to make it known that they are a debt collector when they call, when they send you a letter in the mail, or even an email. Therefore, now we know 2 different ways as of now that US Auto breached the contract 1 - not paying the warranty company and 2- selling to a debt collection agency and NOT a financial I institution as it states in THEIR contract that THEY created! 
LAWSUIT LAWSUIT LAWSUIT. Get it I was over charged for this vehicle its a XXXX  I still owe XXXX after having it 2 1/2 years
Product: Checking or savings account

Date : XX/XX/2024 RE : Services Not Received - Dispute Under Regulation E Account Holder : XXXX XXXX Transaction Amount : {$3700.00} Transaction Date : XX/XX/2024 Dear CFPB Representative : I am writing to file a formal complaint against XXXX and XXXX XXXX regarding their improper handling of my dispute for services not received, involving a transaction of {$3700.00} that occurred on XX/XX/2024. Both financial institutions have failed to properly investigate and resolve my claim under applicable federal laws and regulations. 

Legal Basis for Dispute : 1. Regulation E ( 12 CFR 1005.11 ( c ) ( 1 ) ) : Requires financial institutions to investigate and resolve errors within 10 business days May extend to 45 days if provisional credit is provided Must inform the consumer of investigation results in writing 2. EFTA Section 909 ( c ) [ 15 USC 1693g ] : Special Liability Rules for Transactions Not at Electronic Terminal Protects consumers against liability for unauthorized transfers not initiated at an electronic terminal 3. Federal Trade Commission 's " Business Opportunity Rule '' 16 CFR 437 : Requires clear disclosure of material terms in business opportunity sales Prohibits misrepresentations about business opportunities The transaction violates this rule as no required disclosures were provided CFPB Regulation E Commentary ( Supplement I to Part 1005 ) : Section 1005.11 ( a ) -3 : Defines " error '' to include services not received Section 1005.11 ( c ) -3 : Details investigation requirements Section 1005.11 ( d ) -1 : Requires written explanation of findings UCC Article 4A-207 : Provides protection against payment for services not received Establishes the right to refund when services are not delivered as promised Facts Supporting " Services Not Received '' : Documentation of Promised Services : Written promise of {$250000.00} government grant delivery Specific timeline commitments that were not met Multiple written communications promising service delivery Proof of Non-Delivery : No grant received by promised XX/XX/2024 deadline No evidence of any grant application processing Complete cessation of communication from service provider Pattern of excuses and delays documented from XXXX through XX/XX/2024 Evidence of Systematic Fraud : At least XXXX other victims identified Same pattern of promised services never delivered Identical scheme of collecting " processing fees '' without service delivery Financial Institution Failures : XXXX and XXXX XXXX failed to : Properly investigate under Regulation E requirements Consider clear evidence of services not received Provide detailed explanation of investigation findings Follow CFPB guidance on services not received disputes Implement proper fraud prevention measures under 12 CFR 205.6 Investigation Deficiencies : No evidence they contacted the merchant for proof of service delivery Failed to consider documented pattern of fraud Did not address clear timeline of non-delivery Ignored evidence of systematic scheme affecting multiple victims
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Fifth Third Bank, has violated my rights In XXXX 2019. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit account under a closed end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a few inquiries in the past couple of days on my credit report. I have not applied for any credit cards recently. I have placed a freeze with every credit bureau in hopes that this does not continue to happen. I see the following inquiries : XXXX XX/XX/ I XXXX  this one and it says it was a XXXX XXXXXXXX  card I never shop at XXXX XXXX and have zero use for a official XXXX XXXX store credit card. 
-I am unable to find a number that will get me to an agent to dispute this one XXXX XX/XX/ I XXXX this and it says some sort of point rewards card. 
I have no use for that and did not apply for this. 
-No phone number associated with this inquiry Kohls/CapOne I XXXX this and it says Kohls charge card XXXX have never shopped at Kohls and do not plan to I have no use for a charge card there and have never applied for one. 
-I have not called them just yet. 

I have worked very hard to keep my credit scores strong. I would never apply for random credit or three cards in one week. Please review and remove these items from my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Ive identified incorrect information on my credit report related to 15 USC 16c-2. These inquiries were not approved by me, and they are hurting my credit.
Product: Mortgage

We have owned a rental home at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All monthly payments have been paid on time since we have owned it, several years. 
A XXXX Loan. Our payments are made to Seterus Loan number XXXX address : XXXX XXXX, XXXX, XXXX XXXX Tel. # XXXX or XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The loan was modified through out chapter XXXX Bankruptcy a few years ago. Class XXXX XXXX Bankruptcy XXXX # XXXX. 
Seterus company are holding XXXX of our payments and not crediting it to the loan. They are adding interest and late payments even though all payments were made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trade union trying to reset my password art reach customer service so I can look at my credit report and report something on it to have it talk off cant reset my password website si not work well not very user-friendly
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ) .Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted numerous disputes and the credit bureaus haven't sent me any correspondences at all regarding them.
Product: Credit card

I am writing to formally express my concerns regarding Capital One , XXXX XXXX, and Capital One Financial Corporation handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. unlawfully misled '' customers, claiming that the bank froze its interest rate at a low level during a time when rates rose nationally.
Product: Credit card or prepaid card

I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016, XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Product: Checking or savings account

On XX/XX/2021 I had my XXXX XXXX loan for {$23000.00} deposited into my Citibank checking account. Citibank immediately froze my account and I was told by their fraud department that they will have to investigate the funds. After about 2 months they closed all my accounts and said they will return the money to XXXX. It has been over a year now and XXXX has not received the funds back. My loan is still active and I'm due to start making payments on it. I've called Citibank XXXX XXXX XXXX and spent hours at a time trying to get someone to help me figure out why they haven't returned the money and to provide something in writing that shows why and where my loan funds went. They refuse to do so and most of the time the representatives just hang up on me after spending almost 2 hours at a time on the phone. Their call center is outsourced and it is very hard to understand and communicate with their agents and they are very unhelpful. They keep telling me they will need to talk to someone in the " back office '' and they transfer me there but either they hang up or I would just be on hold for hours without anyone answering my call. I went into the branch and they also have to call the same number and go through the same process customers do so going into a branch was no help at all. Please help me get my loan returned back to XXXX. I don't want to be stuck paying a loan for 30 years that Citibank stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank XXXX {$2500.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Chapters View
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

XXXXXXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector the company XXXXXXXX XXXX XXXXXXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you
Product: Money transfer, virtual currency, or money service

I would like to complain about Binance.us. My account was hacked yesterday on XX/XX/2021. Password, phone number and XXXX verification were changed. On account with Binance.us I have {$21000.00} USD. For my understanding I lost these money because Binance.us did not do anything to help me with this fraud. Multiple tickets did not helped me to retrieve my account. Nobody from Binance.us have contacted me. They don't have a phone number or chat only a ticket submission which did not help. Please investigate this issue and hopefully I will recover my money and account. 
Thank you.