23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Debt Validation Request Dear XXXX XXXX XXXX, I am writing to request validation of the debt referenced in your email dated XX/XX/2025, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I kindly ask that you provide all the necessary documentation to substantiate your claim. Specifically, I request the following information 1. A copy of the original contract or agreement that verifies my obligation to pay this debt.

2. Documentation of all transactions, including itemized statements, showing how the amount claimed was calculated.

3. Any assignments or transfers of this debt, including proof of your legal authority to collect it.

4. Confirmation of the statute of limitations applicable to this debt.

5. Information regarding any insurance claims, securities, or other collateral filed on this debt, and whether a 1099 form was filed for the charge-off Please provide this information in writing within 30 days from the receipt of this letter. If you are unable to provide validation, I kindly ask that you cease any further collection activity and remove any negative reporting to credit bureaus related to this debt.

Thank you for your understanding and cooperation in this matter. Please direct your response to the address listed above. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Original creditor claims that They were unfamiliar with collections agency and that I DO NOT HAVE ANY OPEN DEBT WITH THE ORIGINAL CREDITOR THEY SENT ME STATEMENT IN MY FAVOR ; Yet Their AFTER TELLING ME ON PHONE THEY WOULD WORK ON FIXING THIS I SHOULD TRY TO MYSELF?? My Insurance paid this {$480.00} bill I do n't owe anyone but collections agency ruined my credit score basically as my personal bank significantly lowered my credit line and gave false info as they left me with deragatory remarks with open collection unpaid.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

LVNV Funding LLC at XXXXXXXX XXXX XXXXXXXX XXXX, SC. XXXX has been sending me collection notices in the amount of {$700.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Product: Prepaid card

On XXXX XXXX 2015 I put {$500.00} on my pre paid Rush card. Since then, my account balance is {$0.00} and when I call this company the recording says my card has not been activated. I have had and used this card for over to years. When I finally got through to speak to someone she said she could not access any accounts and would text me when the problem was fixed. I 'm still waiting.
Product: Credit card

Today : XX/XX/2024 I attempted to paid my monthly bill at XXXX today. I called to make an automated call and noticed my balance on my account was larger than on my written statement. I sought a live customer service and inquired why the increase and was told that a Late fee was added today after XXXX!!! I was surprised and never knew this timeframe for payment ... .Never heard of such-however I was speaking to someone in California of a Pacific Time Zone not a XXXX time. I am in TEXAS CENTRAL Time zone. *Question on my statement its East Time Zone written. I am So anger and Why should I paid NOW-today with a late fee already added ... .I spoke to a Supervisor and was rudely stated that " how it is '' ... And a {$35.00} was added. I don't want to paid the Late Fee or will Close the account but why pay now-wait to next month if I do at All!! When I contact the Online Chat to complain that I have the money and just gotten home for the evening!! I received a message that I can reapply for another card from XXXX XXXX XXXX and transfer my current balance for a interest of XXXX for 15 months and if I make purchases of {$500.00}, I would get {$200.00} cash bonus!!! This is unfair practice and to keep consumer in DEBT. I never heard of this kind of practice FEES and its not a midnight cut-off. I am Protesting the Time-Zone practice and seeking advice!!! I need justice and will presume legal affairs.
Product: Money transfer, virtual currency, or money service

Greetings, Paypal has been holding my money for months for no valid reason. I've contacted them atleast 30 times and they refuse to help, or get it resolved. I have told them that we are in the middle of the pandemic and one of my family member is now in the hospital as we speak and I want to help him get the treatment he needs but paypal just told me I can't get my money anymore and I need to wait for 180 days. I have followed all the rules and documents needed but my account is still frozen and I cant get my funds released even in terms of emergency. It is very frustrating to know that I can't do anything about it, it's my money and as a consumer, I want to file a complaint and please help me make an action regarding this and please help me resolve it. 

The email that has been linked to my Paypal account is : XXXX XXXX
Product: Mortgage

Mr. Cooper on XX/XX/2023 has locked me out of my account after a cyber security attack on their end. I am unable to format my payment arrangement or see up coming escrow and P & I pending payments to ensure they go through or are pending. I have attempted to reach out by phone three times, since learning about the breach for information, at one time, the number was disconnected and the others I got an automated message, with the same information about the breach. No representative from Mr Cooper has attempted to reach out to us in any form, to even acknowledge the breach. Being unable to ascertain what information was targeted, ( public records, mortgage information, banking records, payment arrangements ) I don't know what steps if any are needed to protect myself. Let it be known I never choose Mr. Cooper to handle my mortgage, myself like countless others had our mortgages takeovers from the financial institution we had originally choosen.
Product: Credit card or prepaid card

I have had a paypal account for several years. I have a paypal cash card and am able to receive direct deposit should I choose to do so. I recently moved and have been using XXXX XXXX and XXXX XXXX   frequently for food delivery ( because I'm XXXX  on XXXX ). The use of these two companies has created a problem because I had to frequently dispute charges due to canceled orders ( by the company ) not being refunded to my card. On XX/XX/XXXX I received a message from Paypal telling me my disputes are putting me in danger of account closure. On XX/XX/XXXX I was forced to file another dispute with paypal because I was charged incorrectly by XXXX  on my paypal card. I even provided Paypal a LETTER from the MERCHANT admitting their mistake and encouraging me to dispute the discrepancy ( which I did ). This resulted in paypal closing my account without processing me dispute causing me to loose money. They stated that the remaining balance in my account would be refunded in SIX MONTHS which is a violation of federal law.
Product: Credit reporting or other personal consumer reports

am submitting a formal complaint against XXXX XXXX for inaccurate credit reporting and failure to provide required documentation related to my closed credit card account. 

XXXX XXXX closed my account and charged off the debt, but they have incorrectly reported 15 separate charge-offs for this single account. This repeated and inaccurate reporting is misleading and unfair, as there should be only one charge-off reflected in my credit report. The erroneous entries have caused undue harm to my credit score and overall financial standing. 

In addition, I have repeatedly requested a 1099-C form, which is required when a debt is charged off and written off. Despite my efforts, XXXX XXXX has not provided this form, further complicating my ability to address this matter properly. 

This inaccurate reporting and failure to provide necessary documentation is a clear violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request that CFPB investigate this issue and take action to : Ensure XXXX XXXX corrects the inaccurate reporting by reducing the entries to only one charge-off. 
Compel XXXX XXXX to provide the 1099-C form for the charged-off debt. 
I have attached all relevant documents, including proof of my communications with XXXX XXXX. 

Thank you for your assistance in resolving this matter. I look forward to your prompt attention to this issue.
Product: Debt collection

On XX/XX/2023 I went online and received a copy of my credit report. To my surprise I learn that I've been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family.
Product: Debt collection

I have been a victim of identity theft, and several fraudulent collections and accounts are reported on my credit report. I discovered the collection agencies and the creditors regarding these fraudulent accounts. I sent them the identity theft report that they requested from me from the FTC, and they never responded to me. I have informed XXXX XXXX XXXX XXXX XXXX XXXX that I never opened any accounts from them. Someone used my information to open a fraudulent account under my name without my permission, consent, and knowledge. I have requested the collection agencies, credit bureaus, and credit card companies to send me a record of the application filed with them when the account was opened, and not one of these parties could produce such a document. The collection agency recently sent me a statement of this account, which is not even mine. The information on the account does not match my data. The account 's address that was opened and where a card was sent to is entirely different from mine. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection company XXXX Cavalry Portfolio Services, a credit card company, XXXX XXXX, that is pursuing the collection of a fraudulent account.
Product: Vehicle loan or lease

Recently, I purchased used car from XXXX XXXX in XXXX, TX.I went in originally wanting to purchase a used XXXX XXXX XXXX. However, they had already sold the car prior to my knowledge before I arrived at the dealership. So I ended up purchasing a XXXX XXXX for the XXXX. I was not aware until after I signed the documents and had a lawyer go over them that I was basically robbed blind. What this company did to me was illegal and unethical. They are charging me {$12000.00} to finance this car. Take note, I put down {$4000.00} on the car. So in total I'll be paying almost half of what the car is worth ( {$26000.00} ) after the 72 months is over. I feel completely robbed and felt that I was an easy target. I'm not sure what I can do to resolve this matter but something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my XXXX credit report XXXX XXXX XXXX inquired XX/XX/XXXX ONEMAIN FINANCIAL inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

my husband at the time had left me and my son. ive been trying to get help through bank of America since he had left, we had gotten divorced after. so ive been wanting to stay in our home and complying with every effort to save my home. its been three years that ive been jumping through hoops with bofa and they denied me any type of help! They would rather see me and my son out on the streets than to lower my payments. they told me Ido n't make enough money, nah really, that 's why I 'm asking for help! There has got to be something somebody can do to help me save my home ive sent them the divorce papers and even gotten his name off of the deed so they can just by my income .... ive talked to them on and off just about every week sometimes even two times a week crying and pleading for help XXXX they just do n't care about really helping out their customers I know several people who Bofa has turned away. so I 'm stuck possibly getting kicked out! they told me I was approved for a short sale, so if somebosy offers to buy my home for say XXXX still liable to the rest and still be XXXX out of luck with no home for my teenage son and I!!!! but yet they say if we can be of any help you have our phone number so call us if you need us!! haha what a joke
Product: Debt collection

I moved out of XXXX XXXX Apartments in XXXX, XXXX. I checked the rent payment portal for my balance. The balance shown was {$110.00}, paid on XX/XX/XXXX. The early lease termination penalty wasn't posted. 

On XX/XX/XXXX ( or just before ) I received a call from Hunter Warfield, a collection agency, and was told I owed money. I asked for a statement, argued and that was that. 
I called XXXX falls, they provided a statement and I paid the amount shown of {$640.00} on XX/XX/XXXX to XXXX. 

A month or so later I received another call from Hunter Warfield. I told them that I paid the money owed directly to XXXX XXXX. 

when I discovered the negative reporting on XXXX I contacted XXXX XXXX. They refused to correct the status of my debt to Hunter Warfield. 

I opened a dispute with XXXX that did not result in a correction.
Product: Bank account or service

I signed up on Chase 's website to be enrolled in automatic monthly paymentson my Chase credit card. I thought that I signed up to pay the monthlystatement balance by selecting " minimum balance '' for my automatic paymentoption, however a few days after the automatic payment ( due date for thecredit card monthly payment ) I found out that only {$25.00} was paid to my creditcard balance and I was charged interest for the days that had passed since thedue date. I called Chase immediately to rectify the situation and spoke to XXXXdifferent staff members who informed me that due to the rules I would have toowe the interest for the time that passed due to the {$25.00} minimum payment. Ifeel that Chase purposely had misleading and confusing wording on " minimumbalance '' for the automatic bill payment so that customers would make thiskind of mistake and they could collect the interest. I have almost always paidmy statement balance in full by the deadline and have an excellent credit rating.
Product: Debt collection

I am writing to formally dispute and request the immediate correction of an inaccurate late payment entry on my credit report. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
Upon a thorough review of my credit history, I have identified that other credit bureaus have accurately reported my positive payment history with this creditor during the mentioned timeframe. However, your bureau continues to display an inaccurate late payment entry, raising concerns about the accuracy of the information being reported. 
It is perplexing that these discrepancies exist across credit reports, questioning the consistency and accuracy of the information reported by your bureau. I kindly request that your bureau conducts a thorough investigation into this matter to rectify the inaccuracies on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and it is essential that your bureau upholds these standards.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My XXXX year old daughter is a co signer on my checking account with Capital one On XX/XX/2002 she ordered product from a vendor XXXX XXXXXXXX XXXX  email XXXX payment of {$1500.00} was made for merchandise for her stacked clothing line she was starting through company XXXX Mr XXXX never sent the merchant refuse to communicate with my daughter she disputed charge with capital one back who told her they could not help since payment was sent thru XXXX who have not responded to us regarding the money. 
Capital has reversed provisional credit and wants my daughter to pay this back this was her entire savings she in a XXXX at the XXXX XXXX XXXXXXXX This in wrong XXXX and Capital one Bank are both ripping of this child who is totally devasted by this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. It is their sole responsibility to properly secure this data.
Product: Bank account or service

My rush card was inactive for seven days.. I was expecting my pay check on Wednesday XXXX XXXX and did n't gain access to my funds until XXXX XXXX I called numerous times only to be hung up on. Whenever i did get someone on the line, they ran the same script saying they will call me back with information as it becomes available to them. I will no longer be banking with rush. They caused my light bill check to bounce ...
Product: Checking or savings account

I last wrote about Bank of the West refusing to deposit a check for XXXX into my account to cover XXXX payment as I wrote XXXX XXXX and no instead of XXXX XXXX and XXXX and no. The response that XXXX was deposited 10 days later is a no duh, as I sent in ANOTHER CHECK. I also transferred XXXX to make certain the payment was covered, as they were delaying depositing the second check, forgetting another check I wrote and ended up paying XXXX in fees to my checking account, I finally got someone to update my address on both my XXXX loan AND my Savings. When I went to look up my 2018 interest on my XXXX, I could not access it because, in the typical incompetence with which BoW seeks to become the worst financial institution in history, 6 years of attempting to update my address had only finally resulting in changing the one. Finally I got someone who could also figure out how to update an address on the other as well. 

Meanwhile, I have now submitted a direct deposit x 2. With 2 different routing numbers given to me by BoW. Both have failed to be accepted by BoW. So, not only are the charging me XXXX a month because I do not have direct deposit, they are refusing to accept the direct deposit, and now as a direct result, I have missed a payment, unknown to me. 

I have now once again manually transferred the money over. 

How can a bank exist that can not manage simple functions such as accepting a check or a direct deposit or updating addresses? There is not a branch within 100 miles of me. But this should not matter. My checking account is in Texas. Know how many difficulties I have had with them one phone call or email does not solve? 0. ZERO. That is zero and no. none. 

I would like to request someone at BoW who actually is capable of setting up a direct deposit contact me and complete this transaction. I also feel BoW needs to reimburse me for fees that incurred as a direct result of their incompetence. 

I can sell that trailer for XXXX to XXXX XXXX. If BoW will work with me on the XXXX remaining, I will just get rid of it and sever all ties with this horrible company that has been nothing but one headache of incompetence after another for 6 years.