23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Attn XXXXXXXX XXXX to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On X Date ( XX/XX/XXXX, XXXX mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I have been damaged as a result of your failure to follow the law I am requesting Specified Remedy from the inquiry that was placed on my consumer report on { XXXX } by XXXX XXXX XXXX XXXX XXXX } Specified Remedy : Please send payment Via Check Payable to XXXX, XXXX to the address XXXX XXXX XXXX XXXX XXXX IL XXXX Account Name : XXXX XXXX Account number : XXXX SSN XXXX XXXX, XXXX ( All Rights Reserved )
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint against XXXX XXXX XXXX, was also sent to Trans Union. 
Trans Union received a false collection account report from XXXX, about my no contract, pre paid internet and residential phone service, which simply requires the month to be paid in advance. Today, Saturday, XXXX XXXX XXXX, just minutes ago, I received the Trans Union XXXX XXXX by regular mail from Trans Union about this complaint I filed against XXXX XXXX XXXX. I disagree with Trans Union, because they wrote on page 5 of their Investigation Results included, and I quote : " Was a Collection. '' Trans Union did not sent their investigation results to the C.F.P.B. or through the C.F.P.B.

But no, it was not a collection. It was paid in full as this results say. But I do not had to pay {$120.00} to use this pre paid without contract service, never, the XXXX Kiosk Payment Receipts included, the kiosk is their self service payment machine located at their stores, clearly shows 3 receipts from the year XXXX, XXXX that I paid with {$45.00} cash, because their Kiosk does not return change, and one paid by credit card for the amount of {$44.00}, which was the amount usually paid, XXXX dollars with cents. Dates of the receipts are XXXX. XXXX XXXX, XXXX XXXX XXXX, and XX/XX/XXXX. 
Again, I had to pay before the next month of use, if not, service was deactivated without penalty. I had no problem with this kind of service with XXXX XXXX for my cellphone, that I use since years ago. They always sent a Thank You message for pre paying the next month, because there is no obligation for me to continue, if I stop paying is not a collection debt, it does not change to a collection debt, because there is no contract and what I accepted was a pre paid service, just as I did with XXXX. 
XXXX XXXX respects the original agreement, unlike XXXX, who at some point and without any notice to myself at all, changed it. Nobody accumulates months of debt under a pre paid no contract service, the service is simply disconnected for the next month we never used, because we decided not to pay that next month, there is no way to use the service until we pay first. At some point XXXX changed this, without telling me at all. I never received XXXX invoices, which were available only logging in to myclaro.com if allowed by them, unlike now, that they eliminated me, I had to download the invoice, but a pre paid service does not require an invoice, they changed the terms without any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing this complaint because I am unsatified with the investigation that was conducted for the following CFPB complaint : XXXX. The following account : XXXX, is on my credit report from Jefferson Capital Systems LLC . This letter serves as a complaint regarding their violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I also request immediate investigation and removal of this erroneous account, as it is damaging my credit and causing undue hardship. According to the FCRA ( 15 U.S.C. 1681 ), Jefferson Capital Systems LLC is obligated to ensure that any information they furnish to credit reporting agencies is accurate and verifiable. In this case, they have failed to meet these requirements. Failure to Provide Adequate Debt Validation ( 15 U.S.C. 1692g ( b ) ) I have the right to request proper validation of the alleged debt, which includes : Proof of the original creditors name and the chain of ownership of the debt. Documentation of the original signed agreement proving I owe this debt. Evidence that Jefferson Capital Systems LLC has the authority to collect in XXXX while attempting to enforce this debt in XXXX XXXX. Simply providing a billing statement does not meet the standards of validation under federal law. This has been upheld in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ), where the court held that billing statements alone are insufficient validation of a debt. Jefferson Capital Systems LLC is required to ensure the maximum accuracy of the information they report. Failure to validate the debt renders the account unverifiable, making their reporting a violation of the FCRA. As per XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), unverifiable debts can not be reported. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have proper authorization to collect debts. Jefferson Capital Systems LLC has failed to provide proof that they are authorized to collect this debt in XXXX XXXX while I reside in XXXX. Their actions constitute misleading and deceptive practices in violation of 1692e of the FDCPA. Moreover, collection actions across state lines without proper licensing may violate XXXX XXXX and XXXX consumer protection statutes, which require out-of-state collectors to meet specific legal requirements before pursuing debts.
Product: Bank account or service

On or around XXXX/XXXX/14 Ocwen loan servicing LLC . sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called Ocwen three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took Ocwen approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe XXXX XXXX is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to XXXX XXXX. 
Ocwen is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported it to XXXX XXXX XXXX, NY CHILD SUPPORT XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, yet they are not removing these fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent account : XXXX XXXX XXXX/ XXXX, NY CHILD SUPPORT ENFC / XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX.
Product: Student loan

My loan was transferred from XXXX XXXX XXXX XXXX to Nelnet. Nelnet says this happened in XX/XX/XXXX, SC student loans says the last info sent was in XX/XX/XXXX. I paid off the entire balance to Nelnet in the amount of XXXX on XX/XX/XXXX, & because I paid the loan after XXXX on XX/XX/XXXX, I also had to make payment for the next days interest which was less than XXXX cent. ( I will have to pull bank statement to determine exact amount of interest paid with the second transaction ). Almost 3 months after the payoff, Nelnet sent me a statement on this account stating I still owed {$60.00}. I called immediately since this was already paid off. Nelnet told me at that time that it was the last payment still owed, as they did n't take last payment with the transaction. I was sent to a supervisor who told me the same. I argued that because I was sent a statement that it was paid in full. I was getting so frustrated that we had to end the conversation before it got nasty. I called back a few weeks later hoping to get somewhere with them before the due date of the payment they claim I still owe. At that time, I was told that XXXX XXXX XXXX XXXX ( XXXX ) had sent a statement of fees still owed on the loan to them & that it was NOT the last payment withheld from payoff as I was told before. I asked for information to contact XXXX about this because I was n't aware of any fees. I called XXXX who says they have n't sent anything to Nelnet since XX/XX/XXXX. Something sounds very suspicious and I want to know where this balance came from because I feel this is bogus charges & they ca n't seem to get their story straight about where the balance came from. If I owe, and they can prove the charges legitimate, I will pay. However, I do not have money to just give away for some bogus charges they came up with and ca n't explain how they got there. They have had me going around in circles from Nelnet to XXXX and I 'm not getting a straight answer from Nelnet. **I ca n't put my hands on the paid in full receipt because we have alot of stuff boxed up to move, but the attached file is a statement sent in XX/XX/XXXX that I owe {$60.00} & states the amount I paid off and the date it was paid off. I have bank statements and I hope Nelnet will still have a copy of the phone conversation on XX/XX/XXXX when I spoke to a representative to give my checking account information to pay off the loan. When I unpack at our new home, I will gladly send in the paid in full receipt.
Product: Credit reporting or other personal consumer reports

According to the FCRA the following companies list below have violated my consumer rights pursuant to these three laws ; 15 U.S. Code 1681- section 602 ( A ) 15 USC 1681 604 A section 2 15 U.S.C 1666b XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Account number XXXX XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX XXXX Acount number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXXXXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX account number XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX,
Product: Payday loan, title loan, or personal loan

To Consumer Financial Protection Bureau, I am writing to file a formal complaint against Zip  ( XXXX ) regarding ongoing account hold issues and unethical practices that I have encountered on their platform. Despite my attempts to resolve these issues directly with Zip, I have not received a satisfactory resolution, which has led me to escalate the matter to your esteemed organization. 

On XX/XX/21, I reached out to Zip 's support team regarding an account hold triggered by signing out of my previously logged-in devices and re-signing in ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) on the same day. I requested immediate removal of the hold, as it was preventing me from creating new virtual cards or making purchases using Zip. Although the hold was temporarily lifted after the 48-hour period, I encountered the same error message when trying to create another virtual card for a different purchase. This recurring issue has happened more than 15 times since I joined Zip earlier this year.

Zip 's support team has assured me on multiple occasions that this issue would not persist in the future once the temporary hold is automatically removed. However, the problem continues to recur without any just cause. 

Additionally, I would like to bring to your attention the unethical practices exhibited by Zip 's support team. They have repeatedly provided false promises, assuring me that I need not worry about the issue recurring in the future. This lack of accountability and failure to deliver a lasting resolution not only causes inconvenience but also undermines the trust I have placed in the reliability of Zip 's services. 

In light of these ongoing account hold issues and unethical practices, I kindly request your intervention in this matter. I seek the following actions to be taken by Zip ( XXXX ) : 1. Immediate removal of the account hold that is unjustly preventing me from creating virtual cards and making purchases. 
2. Implementation of effective measures to prevent the recurrence of such account holds in the future, ensuring a seamless and uninterrupted user experience.

3. Increased spending power limit to compensate for the inconvenience caused by these ongoing issues and to provide a more satisfactory user experience. 

If Zip ( XXXX ) fails to address these concerns in a prompt and effective manner, I kindly request your assistance in investigating this matter further and taking appropriate action to rectify the situation. I believe that the intervention of the Consumer Financial Protection Bureau is necessary to ensure fair and ethical practices within the industry and to protect consumers from such recurring issues. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and fostering a fair marketplace. I look forward to your feedback and a resolution to this complaint. 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) 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. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


Transunion and XXXX are reporting inaccurate information and won't send me the debt verification letters and investigation reports that I have asked for. They are reporting closed accounts and missed payments. XXXX has already deleted these accounts. The reports I've sent are as follows. The law says they only have five days to respond to me in writing about my dispute letters and they are in violation of my XXXX rights and I've been denied va mortgage refinance and personal loans through XXXX XXXXl as a result. I demand that these inaccurate information be deleted immediately as it has cause financial hardship on me and my family. See dates on dispute letters. No response or confirmation of disputes recieved with the 5 day window.
Product: Checking or savings account

My SunTrust Bank debit/ATM card was stolen on XX/XX/2019. I reported the theft of my card within hours of the theft on XX/XX/XXXX to the SunTrust Fraud Department. When I notified the SunTrust Fraud Department, I was told that my card had already been used on eight separate transactions totaling {$3200.00} on XX/XX/XXXX. SunTrust stated the bank would investigate this matter, and {$3200.00} would be deposited into my checking account within 10 working days from XX/XX/XXXX. However, I received a letter on XX/XX/2019 from SunTrust dated XX/XX/2019 denying my entire claim. The letter from SunTrust denying my claim is attached to this complaint. I was never contacted by SunTrust nor asked any questions before this final decision was reached to deny my claim. I was not informed why my claim was denied. At the time of the theft of my debit/ATM card, I had {$19000.00} in my checking account. The balance in my checking account had been over {$10000.00} for many months. I have been a SunTrust customer for many years with my payroll checks being deposited into my account every two weeks. I have been traumatized by the theft of my debit card, and now I feel I am being traumatized more by my own bank who refuses to stand by its fiduciary responsibility to protect my money on deposit with SunTrust. The Electronic Fund Transfer Act Regulation E ( 12 CFR 205.6 ) states that the maximum liability for unlawful transfers on  debit cards is {$50.00} OR the total amount of unauthorized transfers. SunTrust 's website gives customers assurances of the safety of their deposits with SunTrust. I have now discovered that SunTrust has many complaints filed with the Consumer Financial Protection Bureau. I hope this complaint aids other bank customers who may have experienced or are currently experiencing the same or similar problems with SunTrust 's broken promises to its customers and its failure of fiduciary responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I C System added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, I C System has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Debt collection

I am unaware of this debt I did not have the opportunity to dispute this information I did not receive proper notification if in fact you believe that you sent me proper notice please send me the certified receipt with my signature on it stating that I received it and was aware of this debt
Product: Bank account or service

XXXX Wells Fargo charges fraudulent, multiple, ATM transaction fees, for only XXXX XXXX withdrawal, to other bank. {$8.00} total, when other bank 's ATM machine broken and none other available for several miles, other bank refuses to refund the XXXX. On XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unemployed and not receiving unemployment benefits because of the intensive wait due to the pandemic. I initially a benefit that I purchased on my credit card which is credit protection. However, my payment was reported as late. 

Per the cares act the account is supposed to report as it was prior to delinquency if arrangements were made. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from XXXX XXXX  ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called XXXX XXXX  and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call XXXX. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Acima on several occasions to have them provide a physical contract with my signature on it of 1 derogatory debt that is appearing on my credit report. They have failed to respond to my letters. By law, they must provide a physical contract with my signature on it or remove it from my credit report.
Product: Debt collection

First Credit Services repeatedly calls me not saying anything. I have verbally asked for them to take my number off the contact list and Im still receiving calls. This complaint does not serve as an endorsement of an alleged debt.