23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. Bounce AI failed to present a signed contract between XXXX or any current owner of the debt and the Consumer. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Florida 's consumer protection laws require creditors or their agents to validate and verify the existence of a contractual obligation between the original creditor and the consumer. Without a signed agreement, there is no enforceable contract to support 2. Inconsistent Claimed Amounts The amount claimed by Bounce AI does not match the last known balance on the Defendants account. Under Florida 's Deceptive and Unfair Trade Practices Act ( FDUTPA ), 501.201 et seq., consumers are protected against unfair or deceptive practices. The Bounce A I must provide accurate, detailed documentation to support the amount claimed. Without clear evidence on how this amount was calculated, including itemizations and adjustments, the consumer challenges the accuracy of the debt claimed by the Bounce AI. 
3. Calculation of Amounts and Charge-Off Date Bounce AI has failed to demonstrate how the current balance was calculated versus the charged-off amount. Under FDCPA validation rules, a consumer has the right to request a clear accounting of any debt amount, including how interest and fees have been applied after the charge-off date. Bounce AI failure to provide such a breakdown violates the consumer rights under the FDCPA.

4. Lack of Assignment Documentation Bounce AI has not provided any evidence of the assignment of the debt, including a Bill of Sale or Assignment Document, to prove consumers legal standing to collect this debt or pursue litigation. Florida case law and federal consumer law require that any party attempting to collect on a debt provide clear evidence that they hold the right to collect. Failure to establish the chain of ownership of the debt is grounds for dismissal. 
5. Absence of Insurance Claim and Proof of Loss Bounce AI has not demonstrated that it filed any insurance claims or provided any proof of loss related to this account. In the absence of such claims, there is a lack of clarity as to whether Original debt holder or another party has already been reimbursed for this debt. Such evidence is necessary to determine whether the Original debt holder has incurred any recoverable loss.

6. Failure to Issue Form 1099-C Following Charge-Off The account in question was charged off by Tally on or around XX/XX/year>, yet has not issued the Defendant an IRS Form 1099-C. According to IRS regulations, creditors are required to issue a 1099-C form to the consumer within the same tax year in which a debt of {$600.00} or more is canceled or forgiven. This lack of 1099-C documentation raises questions about the legal ability Bounce AI to pursue this charged-off debt, as well as about potential double recovery, which may constitute an unfair debt collection practice under FDUTPA and the FDCPA. 

If Bounce AI does not present all of this information of proof XXXX XXXX has the right to pursue legal actions for damages under the FDCPA ( up to {$1000.00} per violation, plus attorney fees and costs ).
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX : for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX Account Number ending in XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states 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. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agencies reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Checking or savings account

In the summer of 2022 iput cash and a money order in my account everything got deposited but no receipt and nothing showed I even did any transaction I lost XXXX dollars they claim someone looked at the camera and didn't see anything I stillhave an account with them I don't know why
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to each of the main credit reporting agencies. Transunion was the only one that hasn't honored my request, even though I submitted adequate documentation to support my claim of fraudulent accounts being opened in my name. Please review the attached files and make the necessary changes.
Product: Credit reporting

hi I want to inform you I had credit card with XXXX after that I decided to close this account for many reasons:1- my XXXX decrease 2- I was unable to pay on time so the bank charged me high interest 3- I called the collection agency phone number:XXXX several times in order to fix the problem and get agreement monthly payment but I do n't get any right response until right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken XXXX, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the XXXX language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.
Product: Payday loan, title loan, personal loan, or advance loan

When I got ready to pay them off they added fees that I wasnt aware of and interest and deceptive practices
Product: Credit reporting, credit repair services, or other personal consumer reports

-- -Wrong employment and home address EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -Showing balance but supposed to be closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXShowing balance but supposed to be closed. 
XXXX XXXX  XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$11000.00} Closed -- -Showing duplicate loans from XXXX different departments. 
XXXX XXXX XXXX XXXX  XXXX XXXX -- XXXX school loans closed but showing a balance. 
-- -They started my time over, the loans should of fell off my report. 
Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account # XXXX This complaint is a REBUTTAL to a response from ONE MAIN FINANCIAL dated XX/XX/2024 regarding a dispute on the above account & also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to the credit bureaus. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, Clifford Farrar ) and ONE MAIN FINANCIAL are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately.

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) 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 " - ONE MAIN FINANCIAL is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXX XXXX XXXX it shows up on my credit report that I missed a payment for these XXXX months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has reported for 6 years that XXXX XXXX XXXX and XXXX XXXX XXXX has an account in charge off status - NOTHING has changed for years and years. however on XX/XX/2019 experian dropped my credit score by 41 points and stated that because of a NEW late payment on these accounts my credit score was dropped - but NOTHING has changed as both accounts have been in the same status for over 6 years - why has experian 's credit scoring model been changed to indicate and act on a change to my credit file that is did not occur? i disputed both of these items but no change to my credit score was made. this non existing event has impacted my credit with experian - neither XXXX nor XXXX has reported any change in score because both have not changed in over 6 years - i thought credit scores are impacted by NEW activity??????????? 

experian closed my disputes but took no action on my score N O R provided an explanation as to why my credit score decreased by 41 points when nothing changed on my file? i dont believer experian took my dispute seriously
Product: Checking or savings account

I have had multiple overdraft fees which should not be because a overdraft is a extension of credit and you dont owe anything. XXXX XXXX XXXX ( XXXX Rules concerning extensions of credit ) states I can not be denied. XXXX XXXX XXXX - Extension of credit also states that overdraft fees are included in the extension of credit. 

When reviewing my account you will see overdraft fees on : XX/XX/XXXX for {$12.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$70.00}, XX/XX/XXXX for {$47.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$12.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$70.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$10.00}, XX/XX/XXXX for {$10.00}, XX/XX/XXXX for {$10.00} While reviewing my account I contacted the company and the agent told me that there are limits of reversal for overdraft fees, where in fact, as mentioned above, I should be be charged for an extension of my own credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable of scam.
Product: Credit card or prepaid card

Companies who issue these cards should NOT have the right to hold funds due to a failed gas pump transaction and, then, take WEEKS to return the held funds to the consumer. Consumers must be tenacious and call the card company over and over to request release of the " held '' funds. Many do not even understand what happened to the funds since NO explanation whatsoever is provided. Most consumers eventually give up out of confusion, and I am sure the card companies reap huge financial benefits from " held '' funds that are never released back to the card. This is a form of theft and should be outlawed.
Product: Credit card

I hired someone to file my taxes. The person presented me with an incorrect filing. I said I wasn't signing the return and asked them to delete my information and refund my money as they didn't prepare it correctly and did not do everything they said they would during the process. They refused to process the return I disputed it with Chase Bank and Chase bank sided with the vendor claiming the vendor sent them a completed tax return. After several phone call in different departments and visits to the bank, they refuse to reverse the charge and they gave me a copy of the evidence they accepted a full copy of a tax return nothing redacted I kept telling them it was illegal for them to accept this and to delete my tax return from their systems and they refused to do so. Every time I spoke to someone at the bank they were looking at a copy of my tax return. It was illegal for the CPA to give this without my written consent and Chase bank should have never accepted this as evidence. I have asked someone at Chase Bank legal to reach out to me and nobody has.
Product: Consumer Loan

I had a loan from VW Credit for a XXXX ( involved in the diesel cheating scandal ). They repurchased the car from me on XX/XX/2016 - and repaid my loan in full that day. ( Actually, the repayment was MORE than full, as it did not take into account the monthly payment I had made on XX/XX/XXXX ). On XX/XX/XXXX, XXXX auto-debited my checking account for another monthly payment - despite my loan having been paid in full the prior month. 

This has caused a cash-flow problem, as my NEW car is also set to auto-debit tomorrow - and I do n't have sufficient funds in the account to make the payment, now that XXXX has inappropriately debited my account. 

I 'm suspicious of why this debit took place - despite the loan being paid in full - on the heels of XXXX 's involvement in systematic fraud in their emissions cheating.
Product: Money transfer, virtual currency, or money service

I was unable to make any purchases or log into my XXXX account ( operated by Coinbase , Inc. ) on XX/XX/XXXX. I received an automated message stating that a ticket has been opened for me. I emailed again asking for a status on XX/XX/XXXX, and received another response, this time from customer service stating my ticket has been escalated. I reached out again on XX/XX/XXXX, and am currently awaiting a response back.
Product: Credit card or prepaid card

I enrolled in autopayment for my BoA credit card but was charged interest on my credit card balance. I talked to a BoA representative to set up the autopay feature, which I intended to use to avoid interest and fees, but I was mislead by the agent 's instructions and deceptive enrollment process and it was set up to only pay the minimum amount due, resulting in interest charges. After dealing with unending COVID-related XXXX circumstances, I am requesting the charges totaling {$390.00}, be waived as a courtesy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Applied to have an existing mortgage transferred from my existing bank to another. Credit report was pulled & an entry from XXXX  for {$520.00}. ( in collections ) was shown. I had no knowledge of this " creditor ''. Upon my research I found it was a collection agency that had gone bankrupt. I contacted Mass Attorney Generals Office & they advised the debt was bought from XXXX  by XXXX XXXX XXXX XXXX ( XXXX-XXXXXXXX  ). I contacted XXXX, as I had never been notified from either of these companies regarding any debt. XXXX  stated the debt was from XX/XX/XXXXt0 XX/XX/XXXX when it was closed. I asked what the debt was for & was told they only received 2 billing statement when the debt was turned over to them, which had no info on it except for finance charges. They stated the lender was XXXX XXXX   & had a credit limit of {$300.00} on it. ( Why is it {$520.00} now & what was it for ). XXXX did not know & advised to try myself to investigate more or pay the debt. I am not paying for something that I do not know what it is. XXXX  also stated that alot of the information they received from XXXX had not been accurately reported. I would like this removed from my credit report as my obtaining a transfer of mortgage depends on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts are a result of malpractice or an error.
Product: Debt collection

I have been using the merchant services for my company XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) with XXXX parent company of XXXX. 
Sadly on XX/XX/year> my XXXX  login credentials got hacked and someone entered my XXXX account online and entered a XXXX  XXXX XXXX Account, created a new customer, and charged an XXXX XXXX card {$49000.00} this amount was deposit on the bank account entered by fraud from XXXX  XXXX XXXX which is not my account. I personally called XXXX  on XX/XX/year> while this transaction was pending and they could have stop it now when I reported, XXXX instead closed my merchant account and charged me to my bank account the transaction fees {$3000.00} quickbooks will not return the fees charged to XXXX for the transaction that was not done by any XXXX staff. 
Another transaction of {$9300.00} was fraudulent process through my XXXX  accounts on the next day XX/XX/year> Multiples calls has been done for over the days in XXXX to XXXX and the only outcome is that the account has been reestablish as well as the merchant services, but they had decided not to refund the charges fees that was erroneously charged to XXXX bank account. 

Now, A chargeback has been made by XXXX XXXX customer who was charged {$49000.00}, XXXX wants to charge me this fraudulent amount and denies investigating about the XXXX  XXXX XXXX account who was the one who received this money not XXXX. In addition, the {$9300.00} has also been claimed by the customer and XXXX is charging XXXX for this for a total of {$58000.00}. 
All money received through the merchant services account of XXXX will be me directed to XXXX due to the amount that XXXX says it is owed by XXXX. XXXX mentions that now XXXX handles the charge back and unfortunately, XXXX turns out to owe {$58000.00}.
Product: Checking or savings account

On XX/XX/2022, ( 6 ) unauthorized withdrawals were made from my Online Savings account with Discover Bank using XXXX. 

I received a phone call from a Discover Bank employee, after the 5th withdrawal asking me if I was aware of these transactions. I believe the phone was recorded. 

Immediately, I told the employee to freeze my account, it was a fraud. 

Discover Bank refunded a Provisional Credit of {$1800.00}, to cover the criminal actions. 

Then, Discover Bank reversed their decision and took the money out of the account without a reason. 

They sent the case to the Legal Dept. for investigation. 

I reported the loss to the XXXX Police XXXX in XXXX. Detective XXXX investigated the case for 2 months and made a recommendation to Discover Bank. 

Discover Bank still refused to honor the Detective 's investigation and does not give any explanation why it won't return my {$1800.00} Savings. So, I closed my account. 

I've been trying to hire an attorney who works on XXXX Fraud cases. People I've spoken to only work on XXXX cases over {$5000.00} in losses. So, I'm still searching for an attorney.