23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially, I filed this report on early morning XX/XX/2023. It has been 15 calendar days without any response from this debt collector and have yet to see any sort of response from Spring Oaks Capital , LLC in response to both of my disputes/complaints filed with Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX The last contact I have ever had with this company before this ordeal was about six months ago, when after repeatedly calling this debt collector I finally had someone answer the phone. At this point, after explaining my situation as a terminally ill patient that wants to make sure that I do have my credit in order and on point in case of emergency and that I dont know who they are, but I do have a feeling that they are still trying to collect on a debt from XXXX XXXX XXXX that is associated with XXXX XXXXXXXX that was settled from years ago and was appearing to still be continuously sold around that it was fraudulent reporting they responded with tough luck if you have XXXX, you better get your debts taken care of so you dont leave them to your family and hung up. 
Over what appears to be ignoring my complaints from both federal agencies for the last 15 days, I have noticed that the derogatory marks on my credit reports have changed, in fact, multiple times. They can manage to try to hurt the individual who just wants them to leave them alone without showing the respect of a formal response to these agencies that are helpful to mediate these type of situations. They want to be as disrespectful as possible. 
I have provided photos of the changed derogatory marks provided to my credit report, while continuing to ignore providing any response.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$76.00} XXXX XXXX  XXXX XXXX Balance : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letter from Discover Bank, dated XXXX. This item should have been removed from my XXXX, XXXX XXXX and XXXX credit report. I/XXXX contacted Discover bank by phone questing why hasn't Discover sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have reported this Three times and nothing ever seam 's to get done. Litigation will follow. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt. Listed below the accounts to do not belong on my credit report. 
XXXX XXXX XXXX XXXX Wrong addresses reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX where n't given permission by me a man XXXX XXXX nor by my person XXXX XXXX to report my employer employment period so why are they doing it this is unlawful that you Transunion continues to report incorrect information for there banking friends XXXX XXXX Bank XXXX although they XXXX XXXX never produced a PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature neither was Transunion given my permission nor do we hold a contract. Do you know once you reporting in fraud without permission that's also identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name IS XXXX XXXX ( XXXX ) XXXX born XX/XX/XXXX MY SOCIAL SECURITY NUMBER XXXX I HAVE ONLY LIVE IN XXXX XXXX FLORIDA SINCE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA THEN IN XX/XX/XXXX XXXX TO ( XXXX XXXX XXXX XXXX WHICH WAS CHANGOD TO XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I HAVE ( NEVER ) LIVED IN XXXX FLORIDA MY NAME XXXX XXXX ( XXXX ) XXXX -- -- -- NOT -- -- - ( XXXX ) see my XXXX XXXX XXXXXXXX XXXX RECORDS BIRTH IN XXXX. SOUT CAROLINA THANK YOU XXXX XXXX XXXX ON XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to remove an account from my report even though the reporting company ( XXXX XXXX XXXX ) has agreed the information should be deleted and has submitted a request to all 3 agancies to do so. I have disputed the item multiple times but XXXX XXXX refuses to correct the problem. 

The other bureaus have already deleted the item.
Product: Credit card or prepaid card

Citibank closed 3 of my credit cards on XX/XX/XXXX, I did not request the closing of any of these cards. 

XXXX XXXX XXXX, Best Buy, and Citi DoubleCash. 

This Complaint is regarding my XXXX I never been late on payments for any of these cards and I always paid them in full, except for Best Buy card that I had purchased products with free interested finance. 

My XXXX XXXX XXXX had about U {$170.00} dollars in cash rewards and they say I won't get it since my account was closed. 


They sent me a letter saying if I want a explanation I should call a number and ask or send a letter. I called the specific number put people cant tell me the reason why my cards got canceled, customer service keeps saying I need to send a letter requesting information. Why does it mention to call the number on the letter if I need to find out the reason why my account was closed? 

I really don't care about the cards cancelation since I have others. What is unfair is that they kept and won't pay for my rewards / cash back. Thats robbery, scam like. 

I cant access my information regarding my rewards online since they don't make it available anymore due the closing. Luckily I requested my last statements where I can see rewards amount. 

I just want what is mine since I earned it using my credit cards.
Product: Debt collection

In  XXXX  of    XXXX     MID-AMER ACCOU NTS CO  XXXX , MO  XXXX  (  XXXX  )  XXXX  Contacted me and said I owed {$800.00}. I asked them to mail me out what I owed and to whom, "  XXXX  '' said he would. I called b ack 2 week s later and someone else said I would need to login to the website first. They would mail me the account number to setup the account. They did n't. I called back a couple weeks after that and spoke to the owner. He told me that no one would tell me that and I was a liar and I needed to pay the money. I finally got the amounts and dates from someone there. They will not let me pay current owed amounts until I pay bills they allege I owe from  XXXX , 14 years ago and told me there is no limitations on collection. I am paying the original creditors directly a nd Mid-America is reporting derogatory remarks to my credit history before they remove them as paid. I believe they are doing that to ruin my credit score and it is working. All because they refuse to mail me anything in writing or let me pay them the accounts they hold. They are horrible people. I have been working with other agencies this year and have not had any issues.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I was alerted by Square of 4 charge back disputes made by an elderly customer of mine that has been a customer for a decade. She didn't recognize my business name and thought it was fraud. I contacted her regarding the matter and she immediately called her credit card company to explain she had made a mistake in error. Square immediately debited my account for the total of {$1200.00}, overdrafting my account. Which is now resulted in charge off status. They have Failed to contact the cc company to retrieve a dispute reversal letter from them after I asked them to do so. They tell me they arent able to. I am a customer of theirs and they charge me a large amount of fees but do nothing for those fees. They did not represent me nor protect me. And this wasn't even a fraud case. This has resulted in my checking going into charge off status, I have No usable bank account. I can not accept credit cards therefore losing business and I come over the past couple of months. I'm being penalized and suffering Unjustifiable consequences that are destroying my credibility, reputation, loss of wages, costing me fees, and ruining my credit bc Square Refuses to handle this case properly and closing it. What do they charge me fees for if they are not going to handle cases on My behalf. All they did was cause me debilitating dire consequences, ruining my livelihood. They created More of a problem for me when this was easily resolvable. For a company that I'm a customer of they certainly are acting against me. I want resolution and compensation for my losses bc of their lack of action in handling this matter properly.
Product: Debt collection

I have a case against me for a past medical bill, total amount was {$5000.00}, now its {$4700.00}. 
I have been able to make payments. I have want to get this taken care of. 
Since XX/XX/2018, i have had some issues like : change in job position -- which i make less money now, death in the family & some health issues. I have not fell behind on purpose. I received paperwork not negotiating but ordering me to pay a certain amount on a certain date & I thought if i didn't do that, I would be in bigger trouble. 
So some issues recently forced me to fall behind & now they want my personal finance info. 
case # they gave me -- case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting agency keeps reporting inaccurate information on my car loan threw XXXX XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to XXXX threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting act the listed account reported by XXXX XXXX violated my right to privacy. 15 USC 1681 section 602a States I have the right to privacy. 15 USC 1681 section 604a section 2 states a consumer reporting agency shall not furnish account information without my written consent. 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse items or information other than record of conviction of crimes which antedate the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or have reasonable cause to believe that the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX - never lived at this address. 

- never I told Experian by phone and in writing twice. 

Experian said XXXX XXXX has reported the address. I asked for verification, that XXXX XXXX  is reporting this, and Experian failed to provide this information. 

I personally called XXXX XXXX  and they said, that they are NOT reporting this inaccurate address. 

Experian has failed to act.
Product: Mortgage

I applied for a loan modification with Select Portfolio Servicing ( SPS ). I used XXXX XXXX XXXX ( XXXX ) as my mediator. I have been trying to find help for over 10 years. XXXX contacted SPS in XXXX of 2021. My interest rate would change from 4 % to 8.85 % in XXXX of 2021. My monthly payment would go from {$1100.00} to {$1900.00}. 

Plus I have {$100000.00} in back interest due from my loan with XXXX who sold the loan to XXXX XXXX. The cause of back interest is related to the loss of my job and my wife 's job due to XXXX ( as descibed below ). 

My wife and I refinanced the mortgage XXXX years ago to pay for her XXXX XXXX XXXX XXXX  XXXX. The refinance was with XXXX. This is all prior to the XXXX XXXX XXXX. I stayed at home with my wife during her XXXX for over a XXXX year period. I was XXXX XXXX XXXX months after my wife XXXX I did not find a job for XXXX years. 

In XXXX of 2021, XXXX spoke with SPS to put my mortgage into forbearance. My credit score dropped from XXXX to XXXX by XXXX because SPS did NOT report to the credit services/bureaus that I had was in forbearance. 

SPS offered to keep my loan interest at 4 % if I rolled the {$100000.00} into the total loan of {$310000.00} ( value of house is {$210000.00} + {$100000.00} ). If I accepted the offer XXXX would be paid {$6000.00} for their services. I refused the offer. 

XXXX then offerd to do a forensic audit for {$4700.00}. I paid for the audit and an expert witness statement. They found that there are illegalities with the processing of the mortgage exchange beteeen the various finance companies. XXXX believes that I can use the forensic report as leverage to negotiate with SPS or to sue the finance companies. 

What I want/need : someone to review the forensic report, if their findings are accurate, I want to file a lawsuit against XXXX, XXXX, and SPS finance companies regarding all the misconduct and possible predatory loan practices involved. 

Thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). This happened to me between XX/XX/XXXX and XX/XX/XXXX after I escaped. This people took control of my life and I feared for my life during this horrendous occurrence. 


I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from all of my credit reports for myself XXXX XXXX XXXX last four Social Security number is XXXX, XXXX : XX/XX/year>. Please delete the following accounts inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and realized a 30-day late payment was placed on their XX/XX/2022. I reached out to the creditor and credit bureaus about deleting this negative mark on my credit reports. They both only responded that the mark was accurately reported in which is was not. This has caused my XXXXredit score to drop XXXX points. 

The following account/late payment should not be reported late without my written instructions or consent. The credit bureaus are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) THE LAW CLEARLY STATES : A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

This means the late payment should be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing same bankruptcy on credit report twice file date was XX/XX/XXXX And discharge date was XX/XX/XXXX for the same bankruptcy. I have 4 open disputes with equifax I 've sent them faxes and uploads showing this
Product: Mortgage

XX/XX/XXXX Good morning, Were reaching out to you - once again - to bring to your attention, the manner in which Selene Finance has handled our loan modification. While were grateful that an offer was extended, the terms of this modification are absolutely unacceptable. The most obvious issue here is that there are two separate balloon payments which represent arrearages that have not been itemized {$71000.00} and {$34000.00} There is no breakdown, whatsoever, as to what constitutes either of these amounts There is also no mention, whatsoever, of the application of the SEVEN TRIAL PAYMENT PLAN PAYMENTS that we made, totaling {$7900.00} There is also an issue regarding Corporate Advances that Selene claims to have incurred from the transfer of our loan on XX/XX/XXXX, from XXXX XXXX. The amount claimed by Selene is {$7200.00} and after going through the charges, it appears as the actual number is only {$5300.00} These issues alone are troubling enough, but if we bring into question whether or not Selene Finance actually used the FHA Waterfall Guideline when modifying our loan. It's clear that we now have a loan with a full payoff amount that is nearly 225 % loan to original pre modification principle balance. There is absolutely no way that Underwriting could have signed off on this modification Of even greater importance, we've submitted TWO qualified written request letters, requesting an explanation of these issues and  the 30 day review period has passed- with no response. We spoke with them on XX/XX/XXXX, we were told that the itemization of these fees would be included in the FINAL Loan Modification documents - after we accepted and signed it Again, this is yet another violation of Federal Compliance Guidelines, as well as RESPA laws Were asking that you step in immediately and demand  that Selene explain themselves and take immediate corrective action. 

Pictures of all documents sent and received are included in this complaint. Thank you for your assistance with this and I'm available anytime to discuss this matter in detail XXXX XXXX XXXX
Product: Credit card or prepaid card

BB & T # XXXX has a incorrect balance reporting due to fraud. Charges applied were not made by me. I tried to call bank but had long hold time. Disputed with credit bureaus and made a formal complaint. I can not locate card so I assume it was stolen or dropped. The card should be closed as lost/stolen. I'm not sure how long its been missing because I hadn't been using it. I refuse to pay for something I didn't charge. Reporting it as such is unfair it's illegal. Please help me resolve this matter amicably and swiftly.
Product: Debt collection

Collection company- XXXX XXXX apartments HUNTER WARFIELD , INC XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Falsely keeps reporting to my credit report an amount to my credit report that is in accurate knowing that the amount is four times what the amount should be. They have listed amount of one payment of rent which is accurately past due and I would like to resolve but also damages that were clearly listed on the wall through check sheet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This account is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Product: Debt collection

BYL COLLECTION SERVICES XXXX. Has sent me a letter stating that they want me to pay a 50 % settlement for the amount of {$130.00} and it looks like the original creditor was referenced as total XXXX. Client account number is XXXX. Unfortunately This BYL Collection Services is a third party collection company that up until this time has NEVER communicated with me. I did send them a letter via mail asking for validation of this debt by supplying to me the original signed contract between myself and XXXX XXXX. At this juncture I have not received anything stating their position that I owe them anything. I have never entered into a legal binding agreement with this company and do not owe them anything. The FCRA states that in section XXXX I have the right to ask for and be supplied with the original documentation stating that i owe any such balance. Simply sending me an itemized bill or a letter offering me a settlement opportunity does not meet the requirements of the law. In my last letter to BYL I requested that all collection activities cease since no proof of validation was supplied to me and yet they continue trying to solicit me to pay them something that I do not owe them.