23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DISMISS COLLECTION EFFORTS PURSUANT TO XXXX Because the service was legally deficient, I am requesting relief under XXXX XXXX. XXXX ( 1 ) ( a ), ( d ), and ( h ) : ( a ) : Mistake, inadvertence, surprise, or excusable neglect.

( d ) : Judgment is void due to lack of proper service and notice.

( h ) : Any other reason justifying reliefhere, a blatant violation of due process.

The motion is timely filed under Wis. Stat. 806.07 ( 2 ) as it is brought promptly upon learning of the judgment.

III. CLAIM FOR VIOLATIONS OF MY RIGHTS A. Violation of Wisconsin Consumer Act If the debt at issue is a consumer debt, Plaintiff and its counsel were subject to the Wisconsin Consumer Act ( WCA ) under Wis. Stat. ch. 421427.

The use of misleading, deceptive, or unfair practicesincluding pursuing publication service when actual notice was possibleviolates Wis. Stat. 427.104 ( 1 ) ( h ), ( j ), and ( L ).

I am asserting a claim for statutory damages, attorneys fees ( if counsel is retained ), and costs under Wis. Stat. 425.301 and 427.105.

B. Violation of Federal Fair Debt Collection Practices Act ( FDCPA ) Plaintiffs counsel, XXXX and XXXX, XXXX, acting as a debt collector, is subject to the FDCPA, 15 U.S.C. 16921692p.

The use of improper service, potentially misleading representations to the court regarding service, and pursuing default without confirming actual notice constitute violations of : 15 U.S.C. 1692e ( false, deceptive, or misleading representations ) 15 U.S.C. 1692f ( unfair or unconscionable means to collect a debt ) I am asserting a claim under 15 U.S.C. 1692k for actual damages, statutory damages of up to {$1000.00}, and costs. 


Respectfully submitted this XXXX day of XXXX, 2025.
Product: Credit card or prepaid card

I order 2 items from Ny & Co in XXXX XXXX  items were to small I sent them back I have proof that they received them plus an email stating they refunded {$170.00} back to my account Comenity Bank states they only gave me a credit of XXXX I have spoke to Comenity Bank several times trying to resolve the issue they have went into my credit report stating I'm 90 days late. NO one will contact NY & Co. I have written letters to Ny & Co and Comenity Bank filed with XXXX and disputed with all 3 credit bureau no one can tell me why I have a balance when the items I purchased was returned
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

My service lender has been over charging me for lender forced escrow insurance payments since close of escrow. I have called and spoke to the representative but issue wasn't resolved. I called back and spoke to a supervisor and I requested a full audit on my loan, and no records were provided. I have uploaded my insurance declaration policy fully paid onto my account. The lender acknowledged receipt and I received 2 letters that states they are removing the escow insurance, but they still continue to over charge me for insurance..they have caused so much anxiety and stress for me as it's taking so much of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft i did not give anyone consent to open any of theses accounts this is fraud
Product: Checking or savings account

A website charged my account XXXX I contacted the bank to stop payment on it but they didnt do anything. I contacted the merchant and the bank about this Ive been calling everyday. That was my bill money and I need it to pay my bills. Still no credit to my account or anything. I have been documenting everyone Ive spoke to and Ive been calling everyday. Everyone is giving me different information. I just want my money back from this bank and then Im done with them. Ive been a valued customer since XXXX  here. With Bank of America
Product: Credit card

I placed an order on XXXX XXXX for 2 window air conditioner 's, since i didn't receive my order i filed a dispute with XXXX XXXX, the seller provided a XXXX tracking #. 

i then filed a claim chase back, as i paid for this order with my chase debit card. and they also denied my dispute. since the seller provided a XXXX tracking #. with chase i thought ill have a better chance to get this cleared, as i have been their costumer for 25 years, and very rarely dispute a charge, and they speak English. i explained to them that the tracking # provided. although its a package that was delivered to the same city and state. # 1 it wasn't a package that was delivered to my house. and wasn't even directed to be delivered to my home address as i confirmed with XXXX so it wasn't a mistake by the delivery driver. just someone else tracking #. # 2 the front door seen on the image on the tracking number isn't a door at my house. # 3 tracking confirmation is for 1 box and i ordered 2 boxes # 4 the weight on the XXXX tacking is only 18 lb. and the item i ordered is 2x 35 lb. total weight of 70lb. 

after reviewing reviews for this XXXX XXXX  seller i noticed that this seller has a pattern of providing false XXXX  tracking # to fight claims
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX AUTO FIN XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed you were reporting against FCRA. How can I possibly owe XXXX balances to XXXX different companies for XXXX account. Please explain how i owe this same alleged debt to XXXX companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I did not authorize 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 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: Mortgage

My wife XXXX XXXX XXXX XXXX ) and I took out a reverse mortgage contract with the XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX : XXXX. Account XXXX : XXXX. According to the Adjustable Rate Note issued by the state of Indiana on XX/XX/XXXX ( FHA case Number XXXX ; Loan Number XXXX ; MIM XXXX : XXXX ) paragraph 5. ( E ) Notices of Changes : " Lender will give notice to Borrower of any changes in the interest rate. The notice must be given at least 25 days before the new interest takes effect, and must set forth ( i ) the date of the notice, ( ii ) the Change date, ( iii ) the old interest rate, ( iv ) the new interest rate, ) v ) the Current index and the date it was published, ( vi ) the method of calculating the adjusted interest rate, and ( vii ) any other information which may be required by law from time to time. '' As a result of a XXXX bankruptcy proceeding, Carrington Mortgage Services LLC acquired our reverse mortgage contract. 

Our XX/XX/XXXX reverse mortgage account statement reflected an interest adjustment of plus 2 %. 

I had no prior knowledge of the forthcoming loan interest rate adjustment nor of any details behind the adjustment as stipulated by my contract. 

I emailed a request for information from the Carrington Mortgage Services LLC Co. on XX/XX/XXXX and followed that with a written request, via certified mail, on XX/XX/XXXX. The written request was received by an agent of the Carrington Mortgage Services LLC on XXXX XXXX. 
Neither request resulted in a response to me by the Carrington Mortgage Services LLC Company. 

In my mailings I requested the " required contractual correspondence and any adjustment to interest charged me as required ''. 

I request any assistance the cfpb can provide to resolve my issue. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I sent over XXXX to a woman in another country for a product i didnt receive. When I complained to my bank I was not notified of any changes to my claim. I submitted a claim XX/XX/11 and havent been contacted since. When I called today I was told that My claim was denied.
Product: Payday loan

I was searching online for a loan of XXXX dollars. I contacted the lender 's ad. The following day I received a text message stating who the person was, name and ohone number. She said she could help me and that she wpuld email me a pre-application. I have saved the email and the phone messages. She asked for my bank account information and log in, which I provided. I know that was risky and I should n't have. She said she needed me to meet with XXXX of her employees to sign a form and confirm my identity. The women met me at a near by XXXX because I did n't want them at my home. The original contacte gave me the woman 's name who I was meeting and her cell number. I saved XXXX. That women just looked at my license and atm card. She sis not take down the information, but I know my license number was provided on the application. I had to write my account number and just my pin but not my debit card number. I was contacted that their would be withdrals and deposits and it was just a computer. Their were fraudulent checks mobile deposits and atm withdrawals, which I dont understand how that is possible. After my bank all of a sudden got returned checks and my account was over negative two thousand the fraud department thankfully froze my account. I have a credit union and they will not credit me anything unless I prove how this could be possible.
Product: Debt collection

I am not owing and can not pay {$1000.00} To XXXX XXXX that this debt collection agency is trying to collect after debt was sold to them. I do owe {$700.00} being XXXX XXXX waived the interest, my original balance owing was {$1800.00}. I can pay {$25.00} a month until the {$700.00} is paid because I am not working and it is hard being a single parent just trying to get food, keep the water, heat and the lights on Please accept payment terms on {$700.00} owed amount. Attached is the last payment made to XXXX XXXX before all XXXX broke loose called Covid-19. I am wanting the balance to be honored at {$700.00} and payment of {$25.00} a month to be accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX & XXXX ( Original Creditor : XXXX  ) XXXX removed XXXX XX/XX/XXXX {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$5400.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I bought a US Bank Mastercard gift card for {$200.00} from XXXX XXXX on XX/XX/2019 ( Receipt attached ). I am unable to retrieve the balance by going on the website as well as when trying to call in to the service at XXXX. It says ''due to the status of your card, we can't process your request. '' I am unable to get in contact with anyone regarding the status of the card. 
I have attached a picture of the prepaid gift card front and back so you can check that it doesn't work. It in not past 12 months so it can't be empty due to inactivity. From a previous letter, I also called XXXX and couldn't reach anyone.
Product: Credit card or prepaid card

This credit card is DISGUSTING!!!! Ive always done business with Chase & never had a problem until this credit card!!! Ive only had it for 3 weeks and already FIVE TRANSACTIONS HAVE BEEN DECLINED!!! First few were from XXXX and XXXX and they said it was the address that was different now its at XXXX!!!! This credit card company is a scam!!! Just realized Im almost at {$500.00} in spendings, which means they would owe me {$200.00} back.hmmmmm I have well over {$2000.00} to spend, my monthly due date isnt until next month, SO THERE IS NO REASON FOR THIS!!!!! Plus the fact that Ive now been on HOLD trying to get a representative to see what the problem is and Ive been waiting for someone to answer for two FULL HOURS!!!! UNACCEPTABLE!!!!! I will be telling everyone how they treat consumers!!! Im done as soon as I get my {$200.00} and will NEVER EVERRRRR DO BUSINESS W THIS LOWLIFE COMPANY AGAINNNNN.
Product: Debt collection

I am asking that mrs bpo llc document materials forwarded to XXXX XXXX, XXXX, XXXX  for me, mrs bpo llc as concerns the unsubstantiated account number. Since as error may be present within that information, I respectfully demand that you transmit this documentation quickly. Also please supplement with materials which verify that the account was established legally. I do not want just a cursory account history. Instead, I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month following receipt, account summaries transmitted by mrs bpo llc to the three consumer reporting agencies must be considered false and may bespeak a statutory violation. In that case.you must erase that bureau without delay.
Product: Debt collection

XXXX XXXX XXXX XXXX purchased a debt from Capital One. The debt was loaded up with added fees and penalties prior to the sale of the debt. XXXX XXXX XXXX XXXX did not provide adequate documentation when asked to verify the debt. XXXX XXXX XXXX XXXX refused to settle the debt in good faith on several occasions. Although XXXX XXXX XXXX XXXX claims they are settling in good faith. The company is fully aware that the debt was stacked prior to purchase and is collecting this debt with malice. XXXX XXXX XXXX XXXX cites an amount in excess of {$6000.00} every time a debt settlement is made and then will extend the terms and create further financial hardship to the debtor.
Product: Debt collection

XXXX XXXX XXXX acted as a debt collector for Midland Funding. I settled to accounts with them and was advised that the accounts would be updated on my credit report to show settled. As of XXXX both accounts are showing as collections by XXXX XXXX XXXX and XXXX. See attached letters as proof of settlement. The abusive language refers to questions they asked. Where are you going to get the money etc.
Product: Student loan

I was advised by a Employee of the XXXX XXXX XXXX that my School Loan would not be due until I finished the XXXX XXXX. Due to the fact i was in school for more than 12 hours i went to the academy from Monday to Friday XXXX. The Employee advised me that due to those hours I would not be responsible for the monthly payments. While in the academy i was being billed by the XXXX XXXX XXXX, but they sent the paper bills to the wrong address. I advised the XXXX XXXX XXXX that i did not receive the bills. Due to the time they charged me i was unaware i was being billed and was told i would not be. Due to the fact i was with out knowing and being told I would not be I was tagged for being late. My credit was hit for late fees when i was advised i was not going to be. I called XXXX  XXXX XXXX and was advised that the employee I spoke with does not work there and that the information was false. I do not agree my credit should be faulted for information i received from an employee that no longer works there.
Product: Student loan

Between XXXX and XXXX I consolidated my student loans with a company that did not recall the name right now as I've reconsolidated since. What I was unaware of at that time was that the representative who consolidated my loans did not include XXXX loan that eventually went into default. I was contacted by Wells Fargo in XXXX regarding the loan and that it had gone to default as I was unaware as I thought that all of my student loans were consolidated and I did not know private loans was not included with the federal loans as a representative did not explain that to me at that time. 

I started making payments on the loan over the years and did not know where I was with payments because Wells Fargo did not send any kind of statements to show my status. When I contacted them on why that's not the case they said that is something I have to request and that they do not send no payments and balances regularly which was very surprising. I started to get periodic payment summaries from them that showed principal paid in interest paid however after XXXX payment summary requests I was extremely concerned as the balance kept increasing and then there was no more information of balance owed in the last column. I requested twice to get a payment summary to show what was remaining to no avail. 

The last balance request I made was in XX/XX/XXXX and from that attached payment summary document it was the same issue where it was not showing any balances and I was very specific with what I requested. 

I have gone back-and-forth with Wells Fargo about this XXXX XXXX XXXX where I've told him I will seek legal action if they do not clarify what my balance was and what I have paid for. 
The loan amount in the XXXX document was around {$14000.00} the time I had to start making payments and the last payment summary that I got my balance was {$0.00} in my payments was going towards interest but again no balance was showing so I'm just literally making payments to interests but they're not showing me what's owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$360000.00}.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are references are EXACTLY as it appears on my credit report that your company has reported. 
Please correct or delete this accounts immediately. 

Company Name Account # The Bureaus XXXX
Product: Debt collection

I had emergency health services which are covered by a {$150.00} copay. I paid the copay. Responsible party is XXXX XXXX. They have told my insurance company, XXXX XXXX XXXX XXXX  that they would pay the numerous charges for XXXX. They have not. I have informed the collection company, Evergreen, that I do not owe this and sent copies to XXXX and Evergreen. I have asked to pay this as promised to XXXX XXXX and told Evergreen the information and a demand to stop contacting me. XXXX has not paid the several bills and Evergreen has not stopped the calls and letters.