23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am reporting a violation of FDCPA by debt collectors- Pressler, Felt & Warshaw LLP who have filed a complaint against me in the XXXX XXXX XXXX NJ. I received a summons from XXXX XXXX - XXXX XXXX XXXX dated XX/XX/2022. The document stated that I was being sued for more than {$15000.00}. I had never been contacted by a debt collector regarding this alleged debt as is required in the Fair Debt Collection Practices Act ( FDCPA ). I was unable to have the debt validated by this firm. I do not believe that I owe any debt to this debt collector. I received a summons from the court as the initial notification of a debt of which I was unaware. Pressler , Felt & Warshaw , LLP were previously known as Pressler & Pressler have violated the Fair Debt Collection Practices Act in the past and have been fined {$1.00} million in civil penalty by the Consumer Financial Protection Bureau for their repeated ongoing deceptive and abusive practices in violation of the FDCPA. These debt collectors- Pressler, Felt and Warshaw, LLC never contacted me to notify me of the debt they are alleging I owe them. They never validated or verified the debt and instead filed a complaint summons in XXXX XXXX XXXX- against me. I am disputing the actions of this agency. I have no knowledge that this is a valid debt. I responded to the court with my ANSWER and these lawyers ( debt collectors ) filed a Motion to Strike my Answer. I have opposed their Motion to Strike my Answer and filed an amended ANSWER. Now they have filed a Motion for Summary Judgment. I have filed a Motion Opposing Summary Judgment and they have provided documents to the court which are UN-REDACTED and contain not only my Confidential Personal Information but more than 5 transactions which include Medical Information which violates HIPAA Act and I plan to files federal charges against them with HHS Department. Please investigate Pressler, Felt and Warshaw, LLP. 
My detailed information is contained in the court documents which I have attached.
Product: Mortgage

I was paying my mortgage through my bank account. There was always a problem with getting the payment. They claim the funds were not there and they were accept one time when i sent the funds in the mail. Fay Servicing had me so confused. They would send payments back to me in the mail. Finally XXXX i got tired of them when they said I had a XXXX balance and not to send funds until XXXX. They started sending threatening letters again. So now i am asking for your help. My payment is caught up and i send them XXXX XXXX so i know the time length they have to receive the payment. Please help me. I have an XXXX XXXX living with me in the home. I need them to be clear and not harass me. I need to know if they are a real servicer. I have seen more complaints. I just want to be treated fair. 

They keep saying i owe {$69000.00}. I need them to keep the correct amount and they have falsified information that has been on the report from the beginning. I feel that they should show proof that the loan was switched over to them from my loan company with the original documents and be given the usual amount of days to show that information. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder XXXX XXXX has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get XXXX XXXX to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.
Product: Credit reporting or other personal consumer reports

Experian just said they arr working on the issue STILL but they really didn't but just received a phone call from an Experian phone number and the person left a message and can barely speak XXXX AND THIS NON ENGLISH SPEAKING PERSON WANTS MY FULL SOCIAL SECURITY NUMBER NOT A CHANCE SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are a result of fraudulent activity, and I am requesting their immediate removal from my credit file. 
Accounts to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion XXXX XXXX, FTC complaint # XXXX I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my XXXX XXXX. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX ) - XXXX Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low XXXX XXXX. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion XXXX be discriminating against me based on my social security number, which begins with a XXXX. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there XXXX be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a p ayment on a credit card account under ar open end consumer credit plan as late For any purpose.
Product: Checking or savings account

My business account 's name is XXXX XXXX XXXX was closed on XX/XX/year>. I had lots of money in that account. 
Chase bank employee decided to slander my name through the branch. After I agreed to close my account on XX/XX/year>. The bank new days before an employed had slandered my name in truth lied on me!!! 
By this time I was done with Chase bank. I told them my account was to be completely closed on XX/XX/year>. They let my account stay open and it was " restricted '' according to them from the XX/XX/year>. They let an ACH of XXXX into my closed account. The branch XXXX should have locked and closed my account on XX/XX/year>. Now {$24000.00} minus {$4300.00} is being held by Chase Bank and they will not return my money. They keep saying they have a check they have a check for {$19000.00} they need to verify from the issuer the check is good. That check they are speaking of is good and not only that its drawn on their own bank account who happens to be a Chase bank I need my money ASAP!XXXX 
Chase bank is holding my money illegally. Chase by law should have immeadily returned all XXXX transactions back to XXXX XXXX XXXX by bank law and fraud protection laws. Chase bank has discriminated against my small business minority XXXX male corporation in many ways. I was not allowed to apply for a minority grant with chase bank for no apparent reason! I have record and proof of this activity by Chase bank. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company furnish unknown inquiries on my credit report that I dont recognize and did not authorize Under 15 Usc 1681 Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Also UNDER 15 USC 1692e & 15 USC 1692j they are in violation of the FCRA and I want these inquiries removed immediately.. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I DO NOT owe any debt to this company, they purchased this debt from a company with a account that was fraudulently opened during covid. under code 15 USC CODE 1681S-2 inaccurate reporting this account isnt even open it was simply purchased.
Product: Credit card

I'm not sure of the date it was delivered but received in the mail a XXXX credit card from Current addressed to me. 

The card has my first and last name with the card number, expiration date, and security code. 

I called the customer service number listed on the back of the card, XXXX and listened to an automated message, on repeat, about pressing one to claim my XXXX XXXX XXXX. I did not comply. Once the automated message circulated, and since I did not press any button to proceed, I was disconnected. 

I have not called back. I sent the following email to their customer service address, XXXX : " Hello, I called the customer service number listed on the back of a credit card I received in the mail ( for which I never applied ), and the automated message continued to repeat instructions to press one to claim a XXXX XXXX XXXX. I did not comply. 

I have not heard of this company until this card was mailed to me. I have never applied for anything from this company ; do not have the app or an account. 

Anything you have in my name must be cancelled as I did not apply, open or give permission to anyone to do so on my behalf. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 charges were made to XXXX Credit card. These were for reoccurring shipments that had been cancelled and not received. Vendor amended billing but failed to completely correct all charges made to the account. Ultimately, I paid charges which were in dispute just to close account so that not my PERFECT credit of 35+ years would not be affected. Account was subsequently closed. However, and despite reporting this multiple times to EXPERIAN, a " Delinquency '' is still showing on my credit report. This is now affecting my auto  insurance rates as my agent has given me a code reported to them as " XXXX # ACCTS BAD DEBT IN LAST 24 MOS OR DEROG PUB REC OR COLLECTION IS 1 OR MORE -- '' For 30 years I have never paid anything late and have paid back hundreds of thousands of dollars in credit card/mortgage/car notes. This ONE occurrence is now reflecting poorly on my entire credit history. This is outrageous. I have reported this multiple times to EXPERIAN. They do nothing to take this off the report. It is libelous. I am considering seeking legal counsel for the failure of these credit agencies in representing an accurate account of my credit history. Not only has this affected my credit score but it is also affecting my pursuit of auto insurance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I got my first Payment using PayPal but suddenly Paypal HOLD my money for 21 days, therefore, I can't transfer to my bank link to Paypal my money, I follow their advice that If I want to get my money sooner I have to update my tracking number so I did then they said as well even my money was on hold I can receive payment again continue so I did again received payment even the money is in the hold, Now after 5 transactions of payment they PERMANENTLY LOCK my ACCOUNT and they said I have to wait 180 days more to get my money and they said they will use my money. Now I don't have any money PAYPAL already takes control of my account sir. By the way sir I didn't yet finish the 21 days of hold they already lock my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of hurricane XXXX and was offered to place my morgage payment on hold till XXXX XXXX with no penalty under the civil relief act. I made a agreement with carrington morgage to pay back by XXXX XXXX and they promised not to report on my credit report. So I place my morgage on a 3 months forbearance. All those promises is all over carrigton website but they are placing all missing payments on my credit report. I had called several times and ask them to remove that from my credit report but so far nothing happened. This is damaging my integrity and I need them to remove that negative information from my credit report
Product: Mortgage

In XXXX of XXXX my payment went up from XXXX a month to XXXX a month. I called and they said my local county tax office reported the wrong taxes for XXXX and they paid a shortage from my escrow to cover the taxes. I contacted my county office and they had not reported incorrectly, and reported exactly what they should had. They sent me the documents for my home. And told me to call Huntington Bank back and work out the issue with them as it is not their issue. I have been calling Huntington for the last 5 months and it still has not been explained to me why they are taking an extra XXXX dollars a month from me. If it was for back taxes that by the way they pay for me. My annual tax bill is XXXX ( not exact but around XXXX, XXXX ) the XXXX a month they have already took, is more then enough to cover they debt they say I owe, even though they are the ones that is suppose to be keeping this on track and correct. They have another XXXX scheduled for XXXX and I need a detailed explaination, and documentation proof of this increase, and a date when this shortcoming will be finished. I can't and won't pay this for the house I have, its not worth being broke for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  3 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to provide proof to XXXX XXXX XXXX that there was no late payment made on my XXXX XXXX XXXX account # XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. 
I have included a copy of my payment report, here. If you go through this report from the beginning, one payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account three days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. 
Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. 
As a result, all the ensuing payments were marked one month off. 
When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. 
NOTE 1 : I need this corrected on my credit score as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my credit score. 
NOTE 2 : I don't authorize XXXX XXXX XXXX to run a Hard Inquiry on my credit score again
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated my Hipaa rights as a consumer and refuses to take the 2 accounts they are reporting off of my consumer reports. I have requested documentation on these 2 said accounts which are double reporting on my consumer reports with XXXX XXXX. I have not signed any documentation for United collection Bureau to have ANY access to my private non public information yet they have copies of my procedures as well as my insurance information and test results. I have confirmed this with the original creditor as well. I want these accounts removed from ALL Consumer Reporting Agencies immediatly. 
Account # XXXX {XXXX} Account # XXXX {XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX XXXX ) ( LOAN # XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 16668 : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct Violation of several laws under The Fair Credit Reporting Act