23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XX/XX/2023 Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, Jefferson Capital System , regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ).

Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt.

According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : Zero out the balance of this account. 
Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was zeroed out via email. 
Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. 
Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 
I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company.

Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against Jefferson Capital System. 

Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA. 

Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation. 

Sincerely, XXXX XXXX XXXX XXXX and Consumer
Product: Mortgage

My name is XXXX XXXX XXXX and I am the XXXX  of the Estate for my XXXX  father XXXX XXXX XXXX. The loan is behind from XXXX XXXX through XX/XX/XXXX in the amount of {$2000.00}. On XX/XX/XXXX around XXXX I called XXXX and tried to make a payment of {$1100.00} for XX/XX/XXXX -Nov XXXX. The csr rep was extremely rude and stated " ain't nobody taking a payment of {$500.00} ''. I ended the call and filed a complaint with XXXX XXXX and XXXX on the same day however I have not heard back from them. Today XXXX XXXX I called XXXX at XXXX to make a payment of {$1700.00} for XX/XX/XXXX through XX/XX/XXXX and csr rep refused my payment. She stated the property is in active foreclosure. I have NOT RECEIVED any documentation in regards to a foreclosure via us mail nor email. I asked to be transferred to a rep in the US and the rep refused to transfer my call or accept my payment. Now the Citizens Bank will charge additional fees to the account.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally file a complaint regarding Experians failure to provide proof that I own a debt as requested. 

In XXXX, I reached out to Experian and requested documentation or a letter with evidence to validate that I own a specific debt listed on my credit report. Despite my request, Experian failed to provide the required proof of ownership of the debt. This lack of response has caused significant frustration and concern, as it is my right under the Fair Debt Collection Practices Act ( FDCPA ) to have debts properly validated. 

Without proper validation, this debt remains unsubstantiated and continues to impact my credit profile negatively. I believe this is a violation of my rights as a consumer. 

I respectfully request your assistance in ensuring that Experian either provides the necessary proof of ownership for the debt or removes it from my credit report promptly. I am attaching any relevant documents, including my original request and follow-ups, to support my case
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and Experian, must carry out their responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. As the consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which underscores the congressional policy that financial institutions, including furnishers of information to credit agencies, are obligated to uphold customer privacy and protect nonpublic personal information. 

In line with 15 USC 1681, Section 604 ( a ) ( 2 ), I want to highlight that any disclosure of my consumer report must strictly adhere to my written instructions. As of now, neither the financial institution ( furnisher of information to credit agencies ) nor the consumer reporting agencies ( XXXX and Experian ) possess my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information. 

Referring to 15 USC 6802 ( b ) ( c ), it is clear that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their nondisclosure options. Unfortunately, the furnisher of information to credit agencies failed to provide me with an explanation of how I can exercise my right to nondisclosure. 

Moreover, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information in a consumer report without authorization. The current reporting of adverse information without my permission is a violation of this provision. 

The FCRA, in 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, explicitly states that furnishing inaccurate information to consumer reporting agencies is prohibited. XXXX and Experian, by not maintaining reasonable procedures as required by 15 U.S. Code 1681e, are failing to abide by the law.

Lastly, following 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services at any time. It is imperative that my wishes are respected and that my private information is handled in strict compliance with the relevant statutes and regulations.
Product: Credit card or prepaid card

XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX billing cycle show two payments one for XX/XX/XXXX and one for XX/XX/XXXX. the XX/XX/XXXX payment was credited to the wrong month XX/XX/XXXX and a XXXX late fee happened. The statement date is the XX/XX/XXXXof every month. I am on ssdi and is paid on or around the third of every month. I have used my banks bill pay service and never had a payment prepossessed to early. The same issue happened again in XX/XX/XXXX statement. two payments made on the same month. by the dates the second payment was after the XX/XX/XXXX of the closing date again and paid on the second day of the month. Called capital one and they said there two closing dates one on the statement and one that the billing cycle. and that the payment cam in on the second they were processed on the prev billing cycle. I spoke to multiple people 5 days apart on the second late fee of XXXX to have it removed. they would not remove it as they said it was on there billing cycle. I told them by truth in lending law the XX/XX/XXXX of the month was the closing date for payments. any payment after the XX/XX/XXXX had to be posted to the next month billing. there cant be two closing/billing cycle dates. they will not remove the second late fee of the account any penalty for it.
Product: Vehicle loan or lease

I paid my loan off in full. It has been 10 days since the money has cleared my bank and they have not started the process of releasing my title. I called to see if I could do an electronic transfer, certified funds, or bank to bank transfer and I was told I could pay a secondary service like XXXX XXXX and they would process my account faster. I was told the had up to 10 days to start the process of releasing my title and would not give me a set time that it would take once the process was started.
Product: Credit reporting or other personal consumer reports

I contacted nissan and they don't have any information on this a count how can they post incorrect information.
Product: Mortgage

I closed on a refinance loan with NewRez on XX/XX/2022 via their closing agent XXXX XXXX XXXX XXXX, XXXX. Subsequent to closing I've received 3 notifications from NewRez advising that my loan funded and providing me with a mortgage payment coupon. 
On XX/XX/2022 I followed up with XXXX XXXX XXXX XXXX, XXXX to obtain a copy of the signed closing documents, confirm that my existing mortgage had been paid off and to see when I could expect the monies to be paid to me from the closing. I was advised that the refinance loan did not fund and would not fund until I signed a Power of Attorney. In the 13 days that passed between the day of my closing and the day I made a follow up call to XXXX XXXX, I never received notice from XXXX XXXX advising me of a problem with the refinance or the need for me to sign additional documentation. 
With regard to the Power of Attorney, I called XXXX XXXX XXXX XXXX, XXXX on the day of closing and advised them that I was not comfortable signing a Power of Attorney giving anyone but me the ability to make changes to the closing documents. I was advised by XXXX, the closing mananger of XXXX XXXX, that I did not have to sign a document if I was not comfortable signing it. I asked if the loan would still fund if I didn't sign the document and she advised that the loan would fund but if a document needed to be corrected it would take a little longer because the document would need to be sent to me for correction. Based on XXXX 's representation I continued with the refinance closing. 
In addition , XXXX XXXX also wanted me to sign a document permitting them to charge me a {$50.00} overnight XXXX  XXXX fee. This fee was never disclosed on the XXXX XXXX XXXX or the Truth-In-Lending or any documentation from the lender, NewRez. It is my understanding that all fees must be indicated on the Settlement Statement. Even those paid outside of closing. For this reason, I did not sign the authorization to deduct the {$50.00} overnight fee. 
I did sign a Compliance Agreement which requires me to cooperate in signing any documents that may need to be corrected post closing. I am comfortable in doing this but I am not comfortable providing a Power of Attorney to allow someone else to make changes to my closing documents. 
I believe XXXX XXXX XXXXXXXX XXXX and NewRez LLC need to be investigated for unethical closing practices and theft if my current mortgage has not been satisfied.
Product: Credit reporting or other personal consumer reports

Once again Equifax us reporting inaccurate information about this same lender XXXX ( XXXX ). 
I am submitting the information fron the lender statement about my account as well Equifax credit report showing the wrong amount balance. The amount the are reporting isnt what i owe after statement was closed out. 
This is an on going scenario with equifax and as a result i have lost a number of credit opporunities due to this. 
It seems like they dont take the time to really investigate, and my reporting to the CFPB seem wasteful. I take this seriously as i monitior my account daily and dont think this should be happpening to any consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. US DEP ED XXXX {$37000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} USDOE/XXXX   XXXX {$3300.00} XXXX XXXX {$4000.00} XXXX XXXX {$19000.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$650.00} US DEP ED XXXX {$61000.00} USDOE/XXXX  XXXX {$4700.00} XXXX XXXX   XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Checking or savings account

My phone was stolen and the thieves were able to log onto my online bank account using the Capital One app and do a XXXX transfer clearing out all the funds in my account ( {$1000.00} ). 

I reported to the police and to the bank. 6 days later I was denied access to my account. Called bank they said after an internal review they were closing my account. 

All of my transactions ingoing and outgoing are connected to that account so its a nightmare to change everything. I was able to withdraw my money at a branch but they can't give me access to online statements and transactions etc and that I will need for filing taxes, and they refused to give a reason for why they are closing account just kept repeating it was 'an internal review '. 

Also They never refunded the {$1000.00} and said it is still under investigation, I provided them with police report numbers etc, the detective squad are investigating the case so hopefully the bank gives them the information of the account the thieves done the XXXX transfer to.
Product: Mortgage

I am a Wells Fargo mortgage holder. I pay my monthly mortgage payment via the Wells Fargo website each month. Unfortunately, I pay my payment after the XXXX of each month so I incur a late fee. I used to be able to pay the monthly late fee each month with my monthly payment. However for a few months I was not able to pay the late fees but I paid my mortgage payment. 
The issue is that within the last couple of years, the Wells Fargo payment website was changed so that it does not allow you to pay that months late fee without paying the entire late fee balance. As a result, I have about 18 months work of late fees racking up and that will continue to rack up. 
The complaint is that Wells Fargo changed their payment website to not allow customers to pay that months late fee without paying the entire late fee balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is still allowing in inaccurate information on report. Allowing a balance to be shown on charge off account, Equifax is dropping my score for the following reason on the website, serious Delinquency, past due balance on this account that they are allowing to be posted on my account. This is a violation of law allowing inaccurate information. Showing a complete investigation on the site but no information as to the outcome. How do I have a balance on a charge off account??
Product: Credit card

I applied for a credit card from Capital One Bank ( USA ) , N.A . and was refused. The XXXX ( XXXX ) reasons they gave to refuse issuing the card were that : 1 ) " based on my credit report from XXXX, too few or no revolving accounts have a balance. '' My letter to them informed them why that is so - " I pay my credit card bills every month in full -- generally on the day the bill arrives in the mail. '' 2 ) " based on your credit report from XXXX, there are too many new revolving accounts. '' My letter to them informed them that " I have no new revolving accounts. The last account I opened was probably at least eight ( 8 ) or nine ( 9 ) months ago. And, in fact I have only XXXX ( XXXX ) revolving accounts that are in active use. '' 3 ) " Based on your application information, income is insufficient for requested credit. '' My letter to them informed them that " my income -- approximately XXXX per year ( I am retired ), plus having over {>= $1,000,000} cash in savings accounts -- is more than sufficient for the requested credit card. Note, too, that my credit score -- XXXX out of XXXX -- is probably higher than the majority of applicants who request, and are granted, a card from your bank. '' In short, it appears that Capital One Bank ( USA ) , N.A . is refusing to issue me a card because I pay my balance in full every month. That 's no reason to refuse to issue a card and should not be allowed. 

My credit rating is about as good as you can get, and always has been. I do n't need a Capital One Bank credit card -- in fact, I recently received in the mail an unsolicited offer from XXXX XXXX to apply for their card which I did, and was approved for immediately without issue. However, I am stunned and angry that Capital One would continue to deny me a credit card after I pointed out to them that their reasons were totally incorrect. 

That card offers several unique benefits and I want that card issued to me.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Intormation In me tie or a consumer inarte consumer centres as Intormation that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TransUnion.
Product: Checking or savings account

Bank of america new york branch ( cfpb ) has two previous complaints about 2 banks ( 02 ) as second XXXX XXXX XXXXXXXX XXXX now running as old bank name also up dated by XXXX XXXX XXXX but no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to my all funds invested at XXXX XXXX XXXX, I have no doubt about savings but to date not up dating my funds balances with interests paid for by 2 banks each year? As a customer its a my legal, civil rights at OFAC, CFPB to find and sent me the up date.l.asap send me the response Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T bank pulled a hard credit report on XX/XX/2022 without first alerting or asking me. Nor did they tell me after. I found out " only '' from an email from a credit reporting agency after they had already pulled it. When I asked the bank why they had done that without asking me, specifying it caused my credit score to drop several points, they said that it was 'normal ' to continue a loan process.
Product: Bank account or service

Received and Debit card from netspend of XXXX TX that I did not request. 
You need to read the fine print to realize why you got it.
Product: Credit reporting or other personal consumer reports

I have never authorized these inquiries at any car dealership. All together at one time. Equifax has lied to me and said they are verified. I have never authorized these transactions ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency XXXX and Equifax and they have failed to properly investigate and remove inaccurate reporting on my credit file.