23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sprint Oak Capital LLC account # XXXX is still reporting this account information on XXXX credit report after I asked them to cease all communication. Furnishing this account on my credit report is a form of communication because you are trying to tell me to pay this debt because it's on my credit. Under 15 U.S. Code 1692c - Communication in connection with debt collection I'm an exercising my right to not pay this unverified debt and it states ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or XXXX per centum of the net worth of the debt collector ; and ( XXXX ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs.
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, I am filing a formal complaint against [ Credit Bureau ] for ongoing non-compliance with federal consumer protection laws and failure to properly investigate, validate, or address disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests over the past year, as well as filing complaints with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), no meaningful action has been taken to resolve my concerns. Instead, Experian has continuously delayed, stalled, and failed to properly investigate the issues raised. 

The failure to validate or correct the inaccurate information reported against my credit profile has had severe adverse financial impacts and continues to cause significant harm to my credit standing. Additionally, the reporting of false and unverified information is detrimental, misleading, and potentially fraudulent. I have repeatedly requested validation of the negative accounts appearing on my report and provided supporting documentation, yet Experian has failed to take corrective action. 

I have filed formal complaints with the CFPB on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again on XX/XX/XXXX. However, no corrective action has resulted from these filings. In addition, my personal information remains inaccurate on my credit report, despite submitting the necessary documentation to update and correct my records. 

This ongoing failure to investigate and resolve disputes constitutes willful non-compliance and a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am formally requesting the immediate deletion of all negative, unverified, and inaccurate accounts from my credit profile and an update to my personal information to reflect accurate records. 

Failure to comply with these legal obligations may result in further action against [ Credit Bureau ] for its continued violations. I expect a prompt response and resolution to this matter.

Sincerely, Concerned Consumer
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX : # XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, DEPT OF EDXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Someone fraudulently opened a XXXX of XXXX at Citizens XXXX using my name and SS XXXX. I did not open, know about, nor authorize this account. My information has been made available by hacks to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I received a paper bill in the mail on XX/XX/22 for {$1200.00}. I do not have the full account number because I did not open this account. I called Citizen XXXX and informed them it was fraud. They explained that the account had been entirely handled online- the application and all communication, which is why I did not know about it. I only received a paper bill because the payment was overdue. I filled out an Identity Theft Victim Complaint and Affidavit. I filled out a Police Report with the XXXX Police Department. I registered the fraud with the FTC. However, despite all of that - Citizen XXXX is refusing to acknowledge this account as fraudulent. In fact, they refuse to even close the account so the thief can still use the account. The account was used to purchase " XXXX XXXX XXXX '' at XXXX. I called XXXX and they apparently have information on who perpetrated this crime but it can only be given to law enforcement. I have forwarded that information to my local officer who took my complaint. I have not heard back from the police. Still, after all this, Citizen XXXX has denied my claim of fraud. They have given no reason why they denied my claim. I am not aware of any research or investigation on their part. They have not verified that purchased good were not sent to me. They have not verified that any emails used were not mine. They have not verified that any IP address used was not mine. They asked me for my Driver 's License and copy of mortgage insurance bill for the fraud investigation, which I provided, but they obviously didn't ask any identifying information of the thief who opened this account. To hold me responsible for their mistake is ridiculous.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it.You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Product: Credit card

I filed a dispute with Bank of America for several unauthorized transactions, they only credited me for several but they denied XXXX which was supposed to be together with the ones they credited me for. The claim not paid is in the amount of {$650.00} which was made on XX/XX/year>. They did not let me reopen the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting duplicate medical collections on the following accounts : XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$250.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX  XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

Cashapp does not have a rep you can talk to. Data Breach
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday, XX/XX/XXXX ( exhibit A ), a collection agency called RSI enterprises has violated FDCPA/FCRA as well as Federal Criminal Law by unlawfully changing my Address on my XXXX   Credit File to one I have no past or present connection to ( in the state of Virginia where I have never lived ), but is conveniently within driving distance from their office and within the same state / Jurisdiction ( Virginia ). This was certainly done for the purpose of gaining leverage on a Collection by surreptitiously & deceptively filing for & obtaining a judgement against me in their local court on a wrongful collection just before the 2 year statute would have expired and in my absence ( since fraudulent address would ensure that I would never be notified of the court summons ). Their attempt was thwarted as I caught this infraction right away ( by XXXX alert system ) and reported the address change as fraud. XXXX then deleted the fraudulent address change from my file along with the wrongful collection ( Exhibit B ) On XXXX XXXX, XXXX I alerted RSI of the address fraud committed by them and requested they take appropriate action. 

On XX/XX/XXXX they finally replied ( exhibit C ) denying any accountability for the infraction, blaming it on a automatic computer system glitch ( contrary to XXXX informing me otherwise, that a human at RSI Enterprises had to enter this information manually in order for this false address change to take place )
Product: Debt collection

XX/XX/XXXX Received 1st and only notification from Selip & Stylianou, LLP about Motion to garnish wages. This was sent submitted to the XXXX County in XXXX where I have not lived in almost three years. My address had been updated through the postal service and I have not had any issues with my forwarding services to my new address in the state of XXXX.When I received this communication, I reached immediately and explained to the firm that I had not received any other communication and I also provided them with my updated address which they did have on file! Yet, I never received anything to my current address.On XX/XX/XXXX, I spoke to several people which confirmed that the file had been closed and no wages would be garnished as a result of filing in a state where I do not live and because they don’t have a license to practice in XXXX.On XX/XX/XXXX, I followed up with the firm to make sure that the file had been closed and no further action was required. This was confirmed through another representative.On XX/XX/XXXX, I was told by the firm that the file had been returned to Synchrony Bank and to follow up with themOn XX/XX/XXXX, XXXX verifies they had this file back and that they would work with me. They also confirmed that no wage garnishment would occur as this case had been dismissed for the reasons mentioned above.On XX/XX/XXXX, I received a letter from my payroll and Human Resources department notifying me of the wage garnishment effective on the XX/XX/XXXX paycheck for $XXXXAgain, this is not legal at all! I was not informed of the suit. I was not served with any documents nor was I contacted at my new address. The suit was submitted in a state that I have not lived for the last three years. In addition, I had not lived in XXXX county for a year! I had moved to XXXX county and the to XXXX.I ask that this is immediately rectify and an apology letter along with the respective suit dismissal letter to be sent. This puts me at a very high risk of losing my employment as a result of negligence and lack of due diligence on the firms part.
Product: Mortgage

We recently changed our home insurance from XXXX XXXX to XXXX. Our mortgage holder Bank of America, mistakenly informed us that we had no home insurance and they said they purchased home insurance for us and tried to charge us {$310.00} a month for it. We went on the phone several times with service representatives who assured us that the problem was fixed, but the bank kept sending us bills with the escrow charge for the insurance that we had not asked for and did not need. My last call was in XXXX with a woman named XXXX. She told me that she had found the problem, had fixed it and that she would have the bank do a new escrow analysis to take the charge off our bill. She even gave me a case number : XXXX. The bank sent us the paperwork that the problem had been fixed. But we recently received a new bill with the insurance charge on it again. At this point I do not believe that the bank is making a mistake. I suspect that this is a business strategy to wear down consumers and force them to make payments for insurance that they do not need. I would urge the CFPB to investigate Bank of America to see if they are doing this to a lot of homeowners. I should not have to hire an attorney to fix this but I am getting ready to do so because I do not trust that the service representatives who answer the phone and claim to " fix '' the problem are really doing so.
Product: Credit card or prepaid card

I made a purchase of {$8.00} on XX/XX/03 with XXXX XXXX credit card. When I went back to website to pay my bill, they forwarded already paid balance of {$2.00} from previous purchase. I called customer service and talked to lady who said it'll soon be taken care of. I waited a week to went back to website to pay the amount but they instead of resolving the issue, added {$2.00} one more time. I called again and the guy told me ( in really lethargic way ) to pay my {$8.00} and the matter will be resolved and I would see {$0.00} balance on my card. I did what I was told, and lo and behold I got an email to pay the remaining {$5.00}.

The customer service is in my opinion based oversees and they seem not to understand the problem and when I asked to talk to supervisor there was no response. 
I got frustrated with the back and forth calls and want to resolve this issue, but as I see it, I'll end up paying the amount I don't even owe. 
Let 's see if this complaint will do anything and I won't have to pay this illegitimated amount. 
Thanks
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that XXXX will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THERE ARE FRAUDULENT ACCOUNTS, INCORRECT PERSONAL INFORMATION, AND UNAUTHORIZED HARD
INQUIRIES APPEARING ON MY CREDIT REPORTS AND I WANT THEM REMOVED IMMEDIATELY! THEY DO NOT
BELONG TO ME! THIS IS MY 3RD TIME WRITING YOU, REQUESTING "PROOF OF CONTRACT" FROM THE CREDIT
BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT!
FRAUDULENT ACCOUNTS FROM TRANSUNION AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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