23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to settle this matter with Spring Oak Capital LLC in XXXX ( see exhibit C ) to no avail. I restarted this process again in XX/XX/XXXX and Spring Oak Capital LLC is still violating the FDCPA in pursuant to 15 USC 1692 ( c ) continuing to indirectly communicate via credit reporting agencies after request was made to cease and desist all communications via any medium other than US Postal mail ( see exhibits A & B ). 15 USC 1692 ( g ) ( b ) which they have failed to provide verification, the name and address of the original creditor which I requested ( see exhibit B ). Spring Oaks Capital LLC has continued to violate my consumer rights. The response that I've received from Spring Oaks Capital LLC is that they refuse to grant my request ( see exhibit D ) which is absurd to me as a federally protected consumer as they are continuing to violate federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit files, there's a closed account for XXXX - XXXX XXXX with a balance of {$660.00} and opened on XX/XX/XXXX that doesn't belong to me. I've sent letter disputes to the credit bureaus sometime between XXXX and XX/XX/XXXX and resolution of the matter is either delayed or isn't being worked on. The account is damaging my credit rating and doesn't even belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my vehicle with XXXX XXXX XXXX, signed contract date of XX/XX/XXXX. I returned all of the properly signed documentation required to them via XXXX on XX/XX/XXXX. 

Through a credit monitoring service I found out that my credit score dropped 78 points due to a " missed payment ''. My score went from XXXX to XXXX. I have worked diligently on building my credit up and have NEVER missed a payment. 

Through research I found out that Exeter, my previous auto loan lender, was reporting the late payment. I have never been late on a payment the entire time I was financed with them. After further research I found out that XXXX XXXX XXXX sent in the payoff EXTREMELY LATE on XX/XX/XXXX. I had already made my first payment on my new account to XXXX XXXX before they even sent in the payoff to the old company. ( I attached the USPS tracking XXXX showing when they mailed the payoff. ) I called Exeter and they are unwilling to remove the late payment. They advised me to contact XXXX XXXX to get it straightened out since they were the ones that sent in the payoff late. 

After 6 calls to XXXX XXXX I am now filing a formal complaint. XXXX XXXX will not take responsibility for sending in the payoff late. They advised me every time that I called that it is MY responsibility to get Exeter to remove it from my credit report. On 2 different occasions I was told a manager would contact me. Finally a manager called to get the whole story and said he would get with his people and call me back. That was XX/XX/XXXX and I have not heard from them since. 

This late payment needs to be removed from my credit report since it was beyond my control and absolutely not my responsibility or fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX 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 an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained my credit report and have realized that I have these inquiries listed below that I did not give authorization to. Also, the following addresses I have never lived that are also reported and a company I have never worked for are listed below as well. I need them to be removed immediately. 

Addresses to be removed : 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 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 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 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 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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$5300.00XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$410.XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$300.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX , and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and found several negative items that are impacting my credit score. I would like to address these issues and request that the following items be either clarified or removed from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX  XXXX Account Number : XXXX, XXXX. XXXX  XXXX Account Number : XXXX, and XXXX. XXXX  XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX and XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - Pursuant to FCRA 605 ( a ) ( 5 ), inquiries can only remain on my credit report for up to two years from the date of inquiry. As these inquiries have reached the statute of limitations, they must be removed from my credit report. 

XXXX Account Number : XXXX and XXXX. XXXX XXXX Account Number : XXXX - Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX XXXX  Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of this account, including the name and number associated with the account. If this account can not be verified, it must be removed from my credit report. 

XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 2 ), I am entitled to request an investigation to confirm that this account belongs to me. If the account can not be verified, it must be removed from my credit report. 

I request that you investigate these matters and take appropriate action to ensure that my credit report is accurate and up-to-date. Thank you for your attention to this matter. 

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

I'm filing a complaint with Equifax for disputes I filed through their website. They were not handle in proper manner after 40 days. The account still remains on my credit report it's been over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigationXXXX 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

Received a letter from XXXX on XX/XX/year>, stated I have a {$7300.00} original from XXXX XXXX XXXX XXXX. I have no knowledge of this account and debit. XXXX has no information on this account or the debit also.
Product: Vehicle loan or lease

My complaint is against one main financial, I was going to be late with my monthly payment in which my XXXX XXXX which has XXXX miles on it was used as collateral. I was basically forced into a refinance, my 2 refinance and I asked if it would add to my balance and it did. My refinance was done several years ago and making monthly payments and balance remains at {$12000.00}. I filled a complaint on line received a call from one main that went no where, high interest rate. The refinance only lowred my monthly payment that was it. Also the add on, roadside assistance, insurance in case I cant make payment was added on as well. My question is, are there interest they are charging in line with Alabama law? I dont have exact dates of latest refinance but it was around XXXX XXXX near covid outbreak. If there is a class action against I truly believe I should be included. I want online and saw numerous complaints about one main.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had an emergency situation that required me to use my Capital One Credit Card to take a cash advance of {$300.00}. It was my first time ever taking a cash advance on a credit card. 
On XX/XX/XXXX, I called Capital One Customer Service to ask how I could pay off the cash advance balance so that I would not continue to accrue interest on it. I was advised that I could make a payment on the phone during that call which would go directly towards paying off the cash advance. I was advised that the total payment would have to be {$310.00}, which included the amount of the advance ( {$300.00} ), the ATM fee ( {$3.00} ), and the cash advance fee ( {$10.00} ). I confirmed that once I made this payment, the cash advance would be paid off and I would no longer accrue any interest on it and would just have my standard credit card balance that I would be making payments with interest on. Just like it was before I took the advance. 
Today, on XX/XX/XXXX, I noticed a cash advance interest charge on my Capital One balance. I called Customer Service again and was told that none of that payment from XX/XX/XXXX went toward the cash advance. I was told that regardless of what I was told on the phone by their Customer Service, the terms that were given to me clearly state that whichever balance has the higher interest rate, is what anything above my minimum payments will go toward. Unfortunately, the interest rate on my cash advance is the same as the interest rate on my credit card, so in order to pay off the cash advance, I would have to pay off my entire credit card balance ( {$7400.00} ). 
There is nothing in my statement that says this, it does not say what happens when the interest rate is the same as the credit card interest rate, it only says what gets paid when there is an interest rate that is higher than another. In addition, I went a month thinking that my cash advance had been paid off BECAUSE THAT IS WHAT THE CAPITAL ONE CUSTOMER SERVICE REPRESENTATIVE TOLD ME, so now I have an additional month of interest on that balance. 
I can not afford to pay off my entire credit card balance right now. I am making minimum payments. 
There must be a recording of my conversation with this representative the day I was told it would be paid off by making that separate payment. That would be proof that that is what I was told. Not being allowed to pay off the cash advance until the credit card is paid in full is extremely sneaky.
Product: Debt collection

XXXX XXXX- payment of XXXX due as of 2017. 
I have been to the doctor once this year and I have insurance. And I have paid the remaining balance in full. Im unaware of what to do. Or where this even came from. Please help me.
Product: Debt collection

On XX/XX/2017 I was served a complaint on behalf of XXXX XXXX XXXX from Sessoms & Rogers. I never received any prior notification of legal action. The complaint was served at my parent 's address, rather than my own. My father was informed of the service, the amount of the debt, the current account holder and the previous account holder. My rights were violated with this action and subsequently with other actions : According to the FDCPA subsection 804 : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall : ( 2 ) not state that such consumer owes any debt. Subsection 805 : ( b ) Communication with third parties : *without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonable necessary to effectuate a postjudgement judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, etc. Subsection 807 : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. *I have been notified that Sessoms and Rogers will attempt to get a judgment against me without providing me the opportunity to face them in court as is my right. I have requested multiple times for a court date. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. Sessoms has been sending me documentation that looks official in nature, ordering me to answer questions about myself and the alleged account, these questionnaires are titled as being from the XXXX County Court system and require the signature of a district judge before they are sent to me, none have been signed or reviewed before being mailed to me, and none have shown any sign of being file stamped and placed with the XXXX   County Clerk of Court. Therefore these documents are falsely represented to be issued by the court. Subsection 809 : ( d ) since there is no documentation provided prior to the service of the complaint, a communicaiton in the form of a formal pleading in a civil action shall not be treated as an initial communication. According to subsection 813. Civil Liability - each violation may not exceed {$1000.00} in fines/penalties. As there have been 4 violations of my rights under the FDCPA that would total {$4000.00} which is slightly more than the amount which Sessoms & Rogers is attempting to sue me for.
Product: Money transfer, virtual currency, or money service

cfpb, chase bank has announced that they are not going provide tax statements by the Federal Law deadline ( XX/XX/XXXX ). 

see for yourself ; https : //www.chase.com/personal/tax-statements/investments/tax-forms-mailing-dates THEY DO THIS EVERY YEAR! 

cfbp needs to stop this predatory XXXX XXXX XXXX ( redundant ) from doing this EVERY YEAR and pay fines to consumers when they dont. 

I am requesting {$1000.00} for this ongoing predatory behavior whats the point of me writing this? 

cfpb is obviously getting bribes from chase to avoid this deadline. 
like i said this is ONGOING issue and you dont do anything about it. 

cfbp is as corrupt as chase please enjoy your undeserved paycheck ( how could you not? )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$570.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Paypal XXXX XXXX + {$21.00} USDXXXX XXXX XXXX Payment received Add tracking info Paid by XXXX XXXX XXXX Shipped to " Address '' Seller Protection Eligible Eligible when you... 
Ship to the address on this page. 
Save your tracking or shipping info. 
Have you received this order? 
Domestic : No Shipment Tracking XXXX XXXX XXXX, Sent by MANUAL Status : Order Processed Print packing slip Edit tracking info Transaction ID XXXX Purchase details XXXX {$22.00} USD Item # XXXX Purchase total {$22.00} USD Fee -negative {$1.00} USD Total {$21.00} USD Until now they still lock up my account balance they promise after 6 months..but then still limited, please help me
Product: Money transfer, virtual currency, or money service

Date of purchase XX/XX/2022, the amount of holding where, XXXX of XXXX i contacted Coinbase about missing assets and while I was on the phone with them empty my bank account, XXXX date of purchase XXXX XXXX purchase price was. XXXX on XXXX XXXX AUR ; XXXX with 20 other Assets
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX : XXXX The account status is inaccurate, please delete. 


I expect a timely response from your Credit Bureau regarding my dispute. 

Thank you for your prompt attention to this matter.