23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently it came to my attention that XXXX XXXX XXXX, XXXX dba AmeriCash Loans, XXXX XXXX XXXX XXXX XXXX, WI XXXX entered a Summons and Complaint Small Claims against me on XX/XX/2018. 

AmeriCash Loans headquartered at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. XXXX did not officially notify/serve me said summons and complaint by certified mail, registered mail, nor official process server which is dictated and outlined as an official procedure in debt collections in the State of Wisconsin. 

Also, I did not receive official notices/letters ( as mentioned above ) from AmeriCash of the Right to Cure Default of said payday loan within the past 2 years leading up to this complaint.

Nor have I received to date an official notice of said summons and complaint filed in the State of WI Circuit Court, XXXX County, Case No. XXXX which is presently pending against me at this time of writing this complaint.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX my credit score was XXXX. When I checked for an update today, I noticed that my credit score has dropped XXXX points to XXXX. In looking at the credit report, it has come to my attention that my credit score is being unfairly impacted by an administrative forbearance, elevated to a processing forbearance placed on my student loan due to the federal court issued an injunction preventing the XXXX Department of Education from implementing parts of the Saving on a Valuable Education ( XXXX ) Plan and other XXXX plans. 

I did not request my account be put in this forbearance and have been working tirelessly with XXXX and XXXX to change my payment plan and effectively move my loans out of forbearance. This is of no fault of mine, and I am not delinquent on my payments. Against my will, this account was put into an administration forbearance in XXXX. Despite submitting a request to change payment plans on XX/XX/year>, no changes have been made to my account and my request continues to sit processing. After speaking with an agent today, my account was placed into a processing forbearance that extends forward XXXX  days and is also retroactive to cover the previous months. Furthermore, my loan provider indicated that a freeze was placed on my account via the department of education that extended to XX/XX/year>, which did not allow my loan provider to process my prior request to change payment plans. Since, my loan provider has still not processed my request, calculated my new payments, and taken my loans out of the administrative forbearance. 

At the current time, I am unable to make payments because my payments have not been calculated by the loan provider. With student loans now reporting if payments havent been made in XXXX  days, this is unduly impacting my credit score. I request that this negative impact to my credit score be rectified immediately, and XXXX stop reporting me to the major credit unions as delinquent.
Product: Mortgage

I have been XXXX since 2009 and I have tried to refinance with XXXX. The only option offered was to extend the repayment out to XXXX years. Being in a bind that I was behind XXXX months those payments would be rolled over. Within the last few days, Quicken Loans ran an ad I responded and was turned. Reason my Fico Score was XXXX and was told that a score of XXXX was needed. 

Am not sure what other options are available. 

Thank you. 
XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX, I was looking to buy a XXXX account to play XXXX XXXX, and I found a person online who was selling their account. I messaged them on discord and we started talking about how the transaction would go, like the cost of the account, the payment method, and what I would be buying. About a week after we first met, we actually went through with it, and I paid {$400.00} through a supposed middleman, which I later realized was an impersonator. The seller pretended to have issues with the account and basically said that we'd have to wait an extra day or two to finish the transaction. I didn't think much of it and agreed. A few hours later, they said that they had gotten more stuff on the account and wanted to add more money to the transaction, and after a few hours of wheedling, I agreed because I thought I had already paid for the middleman so I wanted to just get it over with. At this point they essentially just ghosted me, and stopped responding. It was around here I realized that the middleman they had found was most likely just them on an alternate account. I tried to get a refund through paypal since that was the payment method, but PayPal doesn't have any protection against scams if you use the friends and family option, which is what I had used to pay. I then filed a complaint for the first half of the transaction, which was approved, but I forgot to open a complaint for the second one and am currently waiting for a response for it. The only proof I have are the transactions I made on paypal, and the discord chat logs, which I have attached as my proof.
Product: Debt collection

MIDLAND CREDIT MANANGMENT has illegally posted an alleged collection account to my credit profile. My report shows that it is an open account and was opened on XXXX with a balance of { {$820.00} }. I have no knowledge of this company, nor this alleged debt. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. Never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them.

15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. I have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail they have failed to respond to my request. I am responding about a debt that MID LAND CREDIT is trying to collect. A dispute was filed on XX/XX/2023, which was denied through XXXX XXXX. And identified the debt as " account information disputed by consumer, meets FCRA requirements but did not go into further details. 

I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. 

A debt collector may not have a legal obligation to provide some or all of the information you seek, even if you request it within the 30-day period. If the collector doesnt give you what you request, that doesnt necessarily mean the debt collector has broken any laws or has given up a legal right to collect from you.
Product: Debt collection

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. I WAS NEVER LATE. By law you can not treat late payments as transaction under 15 usc 16802 and 15 usc 1666B. REMOVE AND DELETE. 

XXXX XXXX  Under dispute Date opened XX/XX/XXXX XXXX {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 

XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$6000.00} Status Account charged off. {$6000.00} written off. {$6000.00} past due as of XX/XX/XXXX. 

XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
These items have violated my rights and i feel extorted due to the fact this is my second attempt and i have yet received any notice of removal or update.
Product: Mortgage

I received from  XXXX   Country Tax Claim Bureau  on  XX/XX/XXXX   a " Notice of intent to  Asses  Attorney Fees '' by certified mail because I have a delinquent taxes due {$3500.00}. I send to  Caliber Home  Loans copy of this letter by certified mail and by the system. Then I call to see what happened with my property taxes. They tell me that open a research and after  1 1/2  months  (  final week of  XXXX   XXXX  they tell me that all the taxes have been pay by  Caliber Homes  including the penalties fees. I request a copy of the payment but never send me this.  <P/> Next I received from  XXXX   Country Tax Claim Bureau  on   XX/XX/XXXX   a " Second Notice of intent to Asses Attorney Fees '' by certified mail. I sent to  Caliber Home  Loans copy of this letter by certify mail and by the system. I call again and they tell me that the property taxes has been pay in full.  <P/> Then I received a letter with analysis date   XX/XX/XXXX   from  Caliber Homes Loan th e same requires me to pay {$3000.00} for the escrow account.   I am writing a letter back to require a correct analysis of my escrow account that has been misused by   Caliber Homes Loan.
<P/>  My Analysis of the Taxes that I send to  Caliber  in the letter  : 1.  The taxes for  XXXX  ( according to invoices  )  were {$690.00}  ( county &  municipal ) + {$2200.00 } (  school ). For a total of {$2800.00} before   XX/XX/XXXX  . You debited from my escrow account on   XX/XX/XXXX   the amount of {$1600.00} ( city/town/township ) and on   XX/XX/XXXX  he amount of {$2000.00}  (  school ). For a total of {$3600.00}. There is a difference of {$780.00} that you took out of my account.  <P/> 2. The taxes for  XXXX  ( according to invoices  )  were {$1600.00}  ( county  & municipal ) befor e XX/XX/XXXX   + {$2000.00}  (  school ) before   XX/XX/XXXX   for a total of {$3600.00}. You debited me from my escrow account in  XXXX   XXXX  the amount of {$1700.00}  (  city /town ) + {$2900.00}  (  city/town ). For a total of  XXXX  taxes of {$4600.00}. There is a difference of {$980.00} that you took out of my account.  <P/> I send to  Caliber Homes  Loans a certified letter on XX/XX/XXXX  explaining all of this and requires the immediate correction of this. I never received a call or letter from  Caliber  and still have in the web site my new increase payment on my loan.  <P/> Is very important to let you know that I 'm never pay late my home and I am not responsible for taxes penalties. I call  Caliber Homes  yesterday to follow up my letter again and they tell me that my property taxes has been increase and that 's why. I tell the lady that talk to me that is impossible because I have a homestead exclusion in this house and they have copy of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX  about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Product: Credit reporting

I signed up for Experian for a one time credit report. I purposely reviewed the terms to ensure I do not get residual billing. I was satisfied and bought my credit report. Now, since XXXX XXXX, I have been charged for credit monitoring service I never used ( no logins, views ) nor purchased. 

I spoke with Experian on XXXX/XXXX/XXXX at XXXX PT. XXXX answered the phone and he refused to refund my residual billing. I talked to a supervisor, XXXX, and she refused to reverse my resodual billing. I asked XXXX if there is another escalation I could proceed with, she said 'no '. 

The website is grossly deceptive. I previously heard about possible residual billing without permission and I still was charged. 

Please help me get my charges reversed and send corrective action to Experian. They are deceptive.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account Balance {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Account Balance {$3500.00} XXXX XX/XX/XXXXXXXX Account Balance {$4400.00} XXXX XXXX XXXX XXXX Balance {$23000.00}
Product: Credit reporting or other personal consumer reports

A notice of dispute was not placed on the following credit accounts that are being disputed and I want to use this for grounds to remove these account from my credit profile : - XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX am I received an automated text from Santander asking if I used my card ending in XXXX at the XXXX XXXX for a purchase totaling {$700.00} ( Image of text I received uploaded ). I replied no and received a thank text stating a fraud advisor will contact me. At XXXX am I took an incoming call from and advisor that lasted 10 minutes. She asked if I placed these charges to which I immediately stated no and that they are fraudulent charges. I was informed one charge had already posted and another one was pending. Both for the same amount. I was under the impression at the time of that call this was taken care of and no further action was required. 

On XX/XX/2022 I received a delivery confirmation email from XXXX showing the address the item was delivered to. I contacted Santander to see if this information would be helpful to them. I was placed on a long hold to which the representative came back and said they had all the information they needed. I continued to monitor my credit card statement for the charges to drop off so I could pay my bill. When the charges did not drop I called the bank again on XX/XX/2022 at XXXX pm with my concern over my credit being hurt by these charges not dropping and being past the due date for my credit card statement. The call lasted 27 minutes with the representative placing me on multiple holds. He returned and apologized stating he had no idea why but a dispute was never placed for the transactions. He said multiple times he had no idea why a dispute hadn't been input and apologized and acknowledged something was wrong. He then placed a formal dispute for the charges and I provided the delivery address for the items, the name on the shipping and the order number. 

On XX/XX/2022 I received a notice from the bank stating based on their investigation it was determined no billing error occurred because the documentation supplied by the merchant verified that I authorized the transaction meaning charges would be added to my account ( Letter attached ). 

These items were shipped to a " XXXX XXXX '' in XXXX XXXX ( Image of delivery confirmation uploaded ) and I have not lived in XXXX XXXX for over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Intent to Lexis Nexis, While viewing my consumer report and according to your previous respond, you obtained my NPI NON-Public Personal Information From XXXX a court database, you shared, disclosed, and SOLD my Non-Public Personal Information Attached to the Bankruptcy on my Consumer Report to the Consumer reporting agencies. As a reseller according to your previous respond, Congress, and FTC, my NPI ( Non-public personal information ) Personal identifiers which is Name, SSN, DOB should only be shared with my permission. Therefore, I have a right to privacy. Again, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process AND TRANSACTION, I was an uninformed consumer and FCRA laws were violated. That fact my privacy has been violated and this account being furnished, it is affecting my livelihood and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap, XXXX XXXX  XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX,
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, I would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX. WITH A REPORTED BALANCE OF {$1600.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted more than 15 pages of documented proof to Equifax that an account reporting on my record is fraudulent. I have also submitted 2 FTC Identity Theft reports along with substantiating proof to have Equifax block the account from reporting on my record. It is a loan from a non-US based bank in XXXX XXXX/ XXXX XXXX XXXX a balance of appx. 50k. I have been disputing the fraudulent account with Equifax since late XXXX / XXXX XXXX, and they continue to irresponsibly state the information will remain on my credit report. 

After continuous disputes, Equifax remains to ignore my federal rights per FCRA governing statues and continues to dismiss my claim of fraudulent activity. XXXX has contacted Equifax on my behalf to also block the account. 

Additional steps I have taken have been to put a fraud alert across all three CRAs to protect the integrity of my credit report. However, even still Equifax continues its abusive practice of deliberately and maliciously reporting the fraudulent account. After in depth consultation with my attorney, I've exhausted all of my available resources and am now filing a formal complaint with CFPB before moving to take aggressive legal action for damages/ punitive damages to my person.
Product: Payday loan, title loan, personal loan, or advance loan

Was checking my credit report i noticed loan were taking out with high balance all from the year of 2021
Product: Mortgage

EVERBANK IS WRONGFULLY REPORTING A 30 DAY LATE TO MY CREDIT REPORT. In may we have called in to provide our banking info for Everbank to process the payment. However, that information was inputed INCORRRECTLY BY YOUR REPRESENTATIVE ... which has cause a 30 day late negative reported on my credit report.
Product: Debt collection

The recent changes in my credit report have left me feeling distressed, dissatisfied, and XXXX. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.
Product: Debt collection

On XX/XX/2020 I submitted a letter to XXXX to verify a negative tradeline that has been reported on my credit report by Ally Auto. I was requesting verification of the deficiency notice which was never provided. Under the laws of the State of Illinois UCC 810ILCS5/ and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

XXXX XXXX response was Completed investigation of FCRA dispute - consumer disagrees. 

On XX/XX/XXXX I also requested verification pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } ... 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I was not provided with this information in 30 days which is required by the FCRA and nothing was sent with my signature saying I authorized this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and when I last came back I checked my credit reports and saw these unauthorized fraudulent accounts on my credit. XXXX ) XXXX XXXX CREDIT CARD I NEVER OPENED XXXX ) XXXX XXXX XXXX I NEVER OPENED XXXX ) XXXX XXXX CREDIT CARD I NEVER OPENED, this is a fraudulent account. XXXX ) XXXX XXXX  ACCOUNT I NEVER OPENED OR HAVE A CONTRACT WITH. please remove these unauthorized fraudulent accounts from my credit bureaus