23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Consumer Financial Protection BureauOffice of Complaint ResponseXXXX XXXX XXXX, XXXX XXXX, MD XXXX Spring Oaks Capital [ Spring Oaks Capital XXXX XXXX XXXX XXXX, Va. XXXX ] RE : Dispute of Debt and Cease and DesistAccount Number : [ SPRING OAKS CAPITAL Account # XXXX ] Dear Consumer Financial Protection Bureau and Spring Oaks Capital, I am writing to formally dispute the alleged debt owed to Spring Oaks Capital, as indicated on my account number [ # XXXX ]. I am requesting that Spring Oaks Capital immediatel cease and desist all communication with me, including but not limited to telephone calls, mail, and email. This includes the remova of any information pertaining to this alleged debt from my consumer reports. 
I am requesting a copy of the original purchase agreement for this alleged debt. Please note that mere statements are insufficient evidence of a debt, as outlined in the case of XXXX XXXX XXXX versus XXXX, XXXX XXXX  XXXX. 
I am requesting that Spring Oaks Capital immediately cease and desist all communication with me, including but not limited to telephone calls, mail, and email. This includes the removal of any information pertaining to this alleged debt from my consumer reports. A consumer report is considered a form of communication, and therefore, this cease and desist includes the deletion of any information related to this alleged debt from my consumer reports. 
Should you fail to comply with this request within fifteen ( 15 ) days, I will initiate legal action against Spring Oaks Capital for harassment, abuse, and violation of the Fair Debt Collection Practices Act ( FDCPA ). The potential costs to Spring Oaks Capital for such litigation will include but are not limited to : ATTACHMENT SEE EXHIBIT A. First Notice, EXHIBIT B. Second Notice Attorneys fees Court costs Statutory damages Potential punitive damages I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX SSN:XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/, l engaged in a conversation with Great Western, during which they assured me three times that only a soft pull would be conducted on my credit for the pre-qualification process. Contrary to their explicit promises, I discovered later through notifications from my banks and XXXX that a hard inquiry had been made on my credit report. 
Upon reaching out to the senior loan officer, XXXX XXXX, she initially claimed the inquiry was a soft pull at XXXXXXXX XXXX  on XX/XX/. However, at XXXXXXXX XXXX on the same day, XXXX XXXX acknowledged that a hard pull had indeed been performed. Subsequently, she downplayed the situation significantly in multiple emails, which I have attached for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not remove them, nor prove validation. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Debt collection

This is to Capital Resource Management ( CRM ) Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 
Amount of debt : Date of service : Provider of service To whom it May Concern, I received a bill from you on or about XX/XX/XXXX and as allowable under the fair debt collections practice Act, I am requesting validation of the alleged debt. I am aware that there is a debt from ( name of doctor, hospital, clinic, nurse, emts, fire department, police ) but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I'm allowed under the HIPAA law ( Health and Insurance portability and Accountability Act of 1966 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that HIPAA does allow for limited information about me but any detail may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization. 
Please provide a breakdown of fees including any and collection costs and medical. 
Please provide a copy of my signature with the provider of service to release my medical information to you. 
Immediately cease any credit bureau reporting until debt has been validated by me. 
Please send this information to my address listed above and accept this letter as allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my 2nd written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail.
Product: Credit reporting or other personal consumer reports

LexisNexis is in direct violation of the Fair Credit Reporting Act with the ConsumerNumberXXXX and case number : XXXX. LexisNexis is directly violating 15 USC 1681 ( a ) Accuracy and fairness of credit reporting due to 15 marks of inaccurate information on the current Lexisnexis consumer report for the consumer XXXX XXXX XXXX. LexisNexis is in direct violation of 15 USC 1681 ( b ) Reasonable Procedures when obtaining information of the consumer XXXX XXXX XXXX for the purpose of furnishing an accurate report of the consumer XXXX XXXX XXXX because the current consumer report issued by LexisNexis is inaccurate, irrelevant, and inequitable to the consumer XXXX XXXX XXXX. There is Information related to multiple consumers which is currently being reported as of XX/XX/2024 within the consumer report issued by LexisNexis for the consumer XXXX XXXX XXXXAll unrelated and inaccurate information to the consumer XXXX XXXX XXXX must be removed immediately. LexisNexis is in violation of 15 USC 1681b Permissible purposes, 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. LexisNexis has furnished the consumer report a total of 31 times without any evidence of permissible purposes in accordance with the written instructions authorized by the consumer to do so. Each inquiry of XXXX XXXX XXXX 's consumer report is a direct violation of 15 USC 1681 because due to the outstanding inaccuracies and inconsistencies on the report with each piece of information listed on the report being in fact related to different consumers, each inquiry directly violates the privacy of each consumer 's information because each consumer listed on the consumer report is being exposed through the inquiry without the authorization of a permissible purpose on behalf of the separate consumers affected by the merger report. LexisNexis is in direct violation of 15 USC 1681n Civil liability for willful noncompliance ( a ) in general. Any person who willfully fails 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 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Consumer Loan

I HAVE BEEN PAYING ON THIS ACCOUNT AND IT IS STILL SHOWING NEGATIVELY ON MY ACCOUNT. ACCORDING TO THE BALANCE ON MY CREDIT REPORT I ONLY OWED XXXX. I HAVE PAID THAT BUT WHEN I CALL ABOUT MY ACCOUNT THEY CA N'T FIND IT.
Product: Checking or savings account

Chase Bank has siphoned my {$2100.00}. Please take action ASAP. My phone # is XXXX. My Case Bank Checking Account # is XXXX.
Product: Debt collection

In XXXX XXXX, I withdrew from school because of the death of my then fiancee to XXXX. I was struggling financially from his death and I was left with no financial support from his estate. I was attending XXXX XXXX and I spoke to them about the issue and then informed me I owed money to the school because they returned the funding back to my loan company and to the VA ( Veteran 's Administration ) through my voc rehab program. I explained to the school I could only pay {$50.00} a month back making good faith to pay back the money. The school refused to take my money and was very rude and told me " should pay my bills ''. I tried over the 2 year period to speak with someone that would listing and help me through debt. I finally got back on my feet financially in XXXX XXXX and again reached out to the school about the debt. I was told that I could make payments to the school directly through the portal. I made my first payment in XXXX XXXX of {$270.00}, the school accepted the payment. I was then rudely told I could not work an agreement with them and I needed to contact ConServe. I contacted them and again after being spoken to in a very threatening and rude tone, I called back and spoke with a supervisor. We worked out a payment plan of {$200.00} a month, I have even made additional payments since that point to bring down the balance, however now they have put this on my credit report, runined my credit score and are n't even reporting the amount correct stating I owe over {$3800.00} which is not true. I just need help, I have filed a complaint against this company Conserve with the BBB and still have no resolution. Please help!
Product: Credit reporting or other personal consumer reports

Multiple fraudulent inquiries were on my credit report and I did not authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made Experian aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source XXXX XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXXXXXX XXXX However Experian has a duty to conduct a real investigation outside of the original source. As a result of Experians Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theftIl Please delete these items IMMEDIATELY! 
Account Name : XXXX XXXX XXXX XXXX This account should not be furnished on my consumer report as it is in VIOLATION!!! 
Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

COMENITYBANK/VICTORIA ac XXXX XXXX Balance Account Not Mine, Identity Fraud, Unauthorized Opened : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Student loan

My loan servicer, Navient, has been placing my loans in deferment for the past 2-3 years without my consent and reporting to the credit bureaus that my loan payments are past due. If Navient is deferring them, how are they past due? It is damaging my credit rating.
Product: Credit reporting or other personal consumer reports

I need to urgently address a critical matter concerning my consumer report with XXXX. Regrettably, there are accounts listed on my report that I never AUTHORIZED nor did I give WRITTEN consent for this information to be furnished. None of these accounts are connected to any transactions I authorized, and I have not gained any benefit from these reported activities. My attempts to rectify this issue have been diligently undertaken. I've submitted written correspondence to XXXX, accompanied by irrefutable proof of my identity, an official identity theft report, a detailed identification of the erroneous information, and the requisite legal statement.

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective IMMEDIATELY. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC s 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. 
After XXXX continues to ignore the facts and the law i have tried another way to appeal to them by sending the XXXX XXXX facts that these accounts aren't even being reported properly in that regard to remove them still to no avail. Here I am now I seek the immediate rectification of this matter to prevent any further complications or implications arising from this inaccurate reporting. Your swift attention and resolution to this situation are greatly appreciated.
Product: Debt collection

On XX/XX/2023, i mailed a certified debt validation letter to MRS BPO LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX via certified mail. The letter was delivered on XX/XX/2023. The tracking history and number is attached. MRS BPO LLC has not responded or mailed any proof of verification that I owe a creditor. If any, MRS BPO LLC failed to explain the alleged debt, show any actual transactions, or the like. 

I requested the following : what the money you say I owe is for ; explain and show me how you calculated what you say I owe ; provide me with copies of any papers that show I agreed to pay what you say I owe ; provide a verification or copy of any judgment if applicable ; identify the original creditor and agent that logged the alleged transaction. prove the Statute of Limitations has not expired on this account ; show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent. Furthermore, a complete payment history, starting with the original creditor. ( I need to have proof of my payment history with the original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees. ) As of today, MRS BPO LLC has failed to respond to my debt validation request.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX XXXX. I had full coverage and gap insurance. The car was totaled out in a wreck that was not my fault. The insurance and the gap insurance paid it in full. 
Now XXXX XXXX XXXX is reporting on my credit that I owe XXXX. I do n't owe XXXX XXXX any money. Please help me if you can about this because this is not right
Product: Debt collection

I moved out of the XXXX apartments on XX/XX/2021 due to maintenance neglect and mold Inside of my apartment. Turned in my keys to the office manager back then by the name of XXXX, and signed a form with my signature. When I called the office just XXXX weeks ago the new manager says that I was charged for rent and late fees, and stated that I actually owed {$500.00} odd dollars. If anything the XXXX owes me money due to the numerous insurance claim and my security deposit they did not mention to give back let alone an itemized statement showing I owed them anything.
Product: Credit reporting or other personal consumer reports

Again tis is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX