23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear KLS Financial, This letter is being sent to you in response to a recent charge that was made on my credit report that I dont recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your office provide me with competent evidence that I have any legal obligations to pay.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative marks found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action was taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listings of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This happened XX/XX/2022, I was selling an item in XXXX XXXX & was scammed by the customer who was buying the item from XXXX, saying that my account needed to be a business account in order to make the transaction, they provided bank statements & emails that looked real to make it seem it was the bank, so {$250.00} were sent to the customer by me as per the emails I received from my bank but wasnt my bank, this all seemed so real that I did think it was my bank making these transactions. I need help getting back the {$250.00} as my bank has done nothing to help me.
Product: Prepaid card

Account showing {$0.00} after a system glitch. I have spoke with XXXX representatives that claim the problem is being handled. It has yet to be resolved. I have a direct deposit that will hit tomorrow. There is no way to suspend the transaction. Rushcard is not giving me answers as to if I will have access to my money. Also you have to call XXXX times before someone answers. You call the number and it just continues to hang up. There are a lot of issues.
Product: Mortgage

On XXXX/XXXX/XXXX at about XXXX received a phone call on my cell from XXXX XXXX XXXX of OCWEN, informing me that my modification payment was late as of XXXX/XXXX/XXXX. I told her that I did not know that I had a modification since I had not heard from them since applying in XXXX XXXX. She said the modification had been approved and the terms were mailed out to me but had been returned by the USPS for the wrong address. ( I later found this to be incorrect USPS has not returned any of my mail ) .She stated that I was still responsible for the terms even though I did not know what they were. They had their attorney tell me not to contact them in XXXX even though I was in a modification. She also set up a return call. Later that day when I got home I called them and spoke with a different rep and she sent me a statement dated XXXX/XXXX/XXXX it showed that I was 2 months behind on my trial modification. My online access had been blocked & she helped me gain access and requested research on the address issues. On XXXX/XXXX/XXXX spoke with their attorney he said he had the modification but had not given it to me because there was n't enough time so he returned it to OCWEN. He wanted to know if I was willing to sign a release if they would modify I told him yes. I told him about Keep Your Home California. He said OCWEN would not use them because too many stipulations. ( but they participate in the program ). He said you see how court goes so they can keep paying me and we can go to appeal its no skin off my back. on XXXX XXXX called and said mod had been cancelled because no funds received on modification. but there was no date when it was cancelled. i told him it was still active. he said i had to reapply and to call the attorney, because even though the mail piece was returned the attorney also had it. I asked if he could send me a copy of the term again, he said no then yes but only email maybe. He would have to request and see if it was approved. Then he said that he could change my payment amount and make the mod not be cancelled when I told him that I had a current statement. The attorney sent me emails again saying I was not supposed to contact them and it was in bad faith even though the case was over. He admitted to knowing about what they were doing. I have a document from them saying I was under review that the rep showed me on XXXX. I just opened my email XXXX I have the mod agreement dated XXXX/XXXX/XXXX. they lied about the amount the printed on my statement vs the mod agreement, how long the interest rate would last, the P & I was different and there is a balloon payment. it was sent via secure email ( see attachments ). Noted the address is correct on the document.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I requested that my Simple checking account be closed and the remaining funds remitted to me by check. On XX/XX/XXXX, the company responded. They closed my account but are refusing to provide me with my remaining funds because my balance was less than {$1.00}. This is theft. They need to give me back my funds immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under XXXX USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple filling errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; Delete THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 

REMOVE THESE INQUIRES AS THEY NEVER RECEIVED PERMISSIBLE PURPOSE TO FURNISH THIS INFORMATION IN PURSUANT TO 15 USC 1681B THEY ARE IN VIOLATION OF FEDERAL LAW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WFDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand a validation of debt in pursuant 15 USC 1692g If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights reserved without Prejiduce UCC 1-308
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. 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 an 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

For nearly XXXX years, I have tirelessly worked to present clear and compelling evidence to XXXX, a third-party debt collector, and the original company involved. Despite my efforts, which included providing indisputable proof, I have been met with repeated resistance and what I perceive as a lack of genuine investigation. Each time Ive submitted information, the outcome has been the same, leaving me feeling ignored and dismissed. 

This process has caused me extreme anxiety and a deep sense of frustration. As a consumer, it feels profoundly unfair to be left without clarity or resolution, especially when Ive done everything within my power to demonstrate the errors that have been made. I believe that if even one person within these entities had truly done their job, my situation would have been resolved long ago.

Instead, Ive been left feeling railroaded and voiceless, with my concerns falling on deaf ears. Despite expressing the errors and their impact on my life, nothing has changed. At one point, I believed my only options were to file a police report or hire a lawyer because I didnt realize there were other resources available to me.

Im sharing this now in the hope that my experience will not only be heard but also acknowledged with the seriousness it deserves. Consumers like me deserve fair treatment, accountability, and resolutionnot an uphill battle against a system that feels impossible to navigate.
Product: Credit card or prepaid card

On I hired XXXX XXXX XXXX which does after construction cleaning. They came over on the date they scheduled me and told me that some of their employees had COVID 19 and that they would have to reschedule the date. After rescheduling they did not show up for the appointment, I called them and told to refund my money. They promised to refund me but never refunded me. I contacted American Express, my card company and requested a dispute on the charge. After a month American Express responded that they could not dispute and that I had to hire an attorney if I wanted my money refunded.
Product: Credit card or prepaid card

My account is closed but I have a negative balance due to refunds. Ive requested a check from them but they have yet to send it. I requested the check on XX/XX/XXXX by phone and they said a check would be sent in 5-7 days.
Product: Checking or savings account

I discovered on XX/XX/2024 that my business and personal accounts with Bank of America were closed without any prior notification when I tried to send a XXXX payment, which failed. These actions have stranded a substantial amount of my funds, totaling over {$550000.00}. 
Car Payments and Credit Card Payments : Despite funds being available in my account, Bank of America has canceled car payments and credit card payments that were already processed. This has caused unnecessary stress and potential damage to my credit score. 
Vendor Payments : Bank of America has failed to clear several vendor payments that had already been deducted from my account, putting my business relationships and reputation at serious risk. 
Even though bank accounts are closed, Bofa still accepts deposits that clients made on the XXXX and XXXX, but I can't take money out of the account. So the bank has no issue taking in new money but won't let me take it out. 
If an account is closed, then deposits shouldn't be allowed either. 
I have received no communication, explanation, or justification for these drastic actions. This lack of transparency is deeply troubling and reflects poorly on your banks commitment to its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting an account XXXX XXXX XXXX account # XXXX, This account was previously deleted in XXXX.Ive contacted TransUnion and they seem like they dont care I ask them to validate the account and XXXX with TransUnion said they dont verify or validate accounts
Product: Money transfer, virtual currency, or money service

I am filing a complaint against COINBASE INC because me and XXXX other customers had their account hacked. My entire wallet ( about XXXX ETH Coins ) was drained due to this hack and it was not my fault. Coinbase should be liable for this as it is required that 2 factor authentication to access my account. Somehow these hackers were able to bypass Coinbase 's 2 factor authentication and send funds from my wallet. Again when sending funds another 2 factor authentication is required and the hackers were still able to bypass that. For the record I was not hacked, Coinbase was hacked and they stole the money from their end not mine. Because it was stolen in this manner Coinbase should be totally liable for this, it was their system that was exploited which resulted in XXXX customer hacks. Me and ALL XXXX customers deserve to reimbursed in full of the total assets that were stolen from our wallets. An attached transaction summary from Coinbase detailing the attack is attached to this email. If this is not resolved in the next 30 business days I will be contacting my attorney and filing a lawsuit against Coinbase for the damages I incurred due to their flawed system.
Product: Debt collection

XX/XX/XXXX I received mail via XXXX from Midland Credit Management regarding a debt ending in account XXXX XXXX XXXX XXXX XXXX I wrote a letter back to Midland Credit Management on XX/XX/XXXX and mailed the same day, requesting many documentation. 

First off in that letter I stated I disputed the validity of the debt and that I need more information. 

I asked for verification and documentation that there is a valid basis of claiming that I am required to pay the current creditor. Midland Credit Management did not send any written agreement, or any bill of sale. Theyve only sent me a letter stating that they were required to collect and flat out told me in the letter that yes the debt is mine and that they really dont need to provide anything else but XXXX page of a credit card statement which shows a previous balance. 

Before that theyve sent about XXXX letters threatening suit. And I am still waiting on the proof Ive asked for in that letter I sent because you can not just hand someone a statement and say here its yours pay it. Theyve now file their suit in XXXX XXXX court. I am not filing a complaint for this unlawful behavior
Product: Debt collection

After reviewing my XXXX credit report, I found a listing from XXXX XXXX XXXX, for a payday loan from Advance America. I previously had a conversation with Advance America in XXXX indicating this was not my debt, as I have not lived in Washington State since the end of XXXX and they indicating they would be handling it internally. The listing indicates that it was opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It is deeply frustrating that my credit report contains errors and missing information. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score.
Product: Debt collection

I'm paying them every month as I can since I learned I had a debt to them. But XXXX   XXXX  XXXX keeps calling me and hanging up. I called back and asked whom was calling. The gentleman told me who he was and what company he was calling on behalf. I explained to him that I've been pay as I can Every month. He then became aggressive in tone. And explains that the the bill is due in full. I again tell him I'm paying every month as I can and that I'm not trying to dodge the debt. He became even more irritable and I tell him I don't respect his tone and attitude that I didn't appreciate being called at work about something I was taking care of already and didn't see the reason for repeated ghosts calls to my phone
Product: Debt collection

I am a federally protected consumer. Volkswagen credit and XXXX Volkswagen has violated my rights. Volkswagen Credit is a financial institution as defined under 15 U.S. Code 6827 ( 4 ) ( B ) I the consumer, have reason to believe I owe no such alleged debt ( s ) I am a natural person and original creditor in all transactions pursuant to 15 USC 1602g. I have received a statement including the subject matter of an attempt to collect an alleged debt for a vehicle. I am aware that Volkswagen Credit is a debt collector here is the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. I have proof labeled Exhibit A that Volkswagen Credit is a debt collector attempting to collect a debt. I am aware that the term debt pursuant to 15 USC 1692a ( 5 ) means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes. To allege means something is not proven. This debt has not been proven fact meaning it is not fact. I am aware that pursuant to 15 USC 1692k any violation by a debt collector is a fine up to {$1000.00}. I the natural person has proof labeled Exhibit A, and B that Volkswagen Credit has violated my federally protected rights 16 times. This means Volkswagen credit is liable to pay me {$16000.00}. Pursuant to 15 USC 1605 that a finance charge is the sum of all charges and does not include cash. I have proof labeled Exhibit C, and D that XXXX Volkswagen did in fact require cash in the transaction involving the vehicle.
Product: Debt collection

This so called receivable performance Fraudulent, and Frivolous agency did not send an actual invoice like a monthly invoice of owed debits, I had no contracts with this Fraudulent agency, their validation is copying spread sheets on XXXX of other companies, no actual invoices, they sent an attachment of spread sheet copying channels of tv, it was not a statement, it was not an invoice from the actual company, they copied the XXXX XXXX XXXX logo and posted it on a letter that their scammer signed, he or she never realized how stupid he or she is. 
I had no contracts or signed agreements by me stating that I owe this scam frivolous fraud unheard off misleading scam artists. show me the validation of my signature to your frivolous so called collection company. 
I will be in the process to have my Attorney press charges in the Federal Court against them and collect punitive damages and Attorney fees and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these inaccurate accounts off my credit for the past 3 months. I need them gone so i can close on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXThis loan was paid off. Reinvestigate and erase please.
Product: Checking or savings account

Citibank advertised {$700.00} cash bonus for opening a new checking account with {$50000.00} minimum deposit. I opened the account on XXXX XXXX and maintained the balance for 60 days per the terms. It has been over 90 days and Citibank refused to honor the bonus as advertised.