23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ Pressler & Pressler , LLP ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency since XX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, XXXX Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX  tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX , XXXX in the matter of their client : XXXX XXXX XXXX XXXX XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX Pressler & Pressler File #, Account # or Docket # ( ( ( XXXX ) ) ) PRESSLER & PRESSLER , LLP : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )
Product: Debt collection

This company calls me every single day, multiple times a day, mostly at XXXX XXXX, but has recently been calling past XXXX, with the worst incident being after XXXX pm. The caller says that their name is XXXX XXXX and to call her at XXXX. I have explained the situation to them multiple times, however they will not leave me alone. They have yet to communicate with me through mail. Doing business with them was one of the biggest mistakes I have ever made.
Product: Credit reporting or other personal consumer reports

I asked TransUnion to remove a duplicate loan on my credit report from XXXX XXXXXXXX XXXX XXXX XXXX. They responded VERIFIED AS ACCURATE and did not remove the duplicate. One entry for this loan is current and correct ; the other is old and has not been updated since XX/XX/year>. Both are still listed on my report with a similar loan balance, giving the appearance of more debt than I actually have.
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a loan from Advance Financial on XX/XX/XXXX. The loan amount was {$2400.00}. The loan terms were highly unfavorable and included exorbitant interest rates and fees, making it nearly impossible to repay the loan without falling into a cycle of debt. 

Despite multiple attempts to negotiate a fair settlement or more manageable repayment terms, Advance Financial refused to offer any such options. On XX/XX/XXXX, I contacted their customer service by phone to request a settlement, but my request was denied. I followed up with emails on [ Dates of Emails ] and written correspondence on [ Date of Letter ], all of which were ignored or outright denied.

Before defaulting, I informed CC Flow that I was terminated from my job on XX/XX/XXXX Additionally, without attempting to resolve the issue with me, Advance Financial sold my loan to a collections agency on XXXX, further exacerbating my financial difficulties. This action has negatively impacted my credit report and caused significant financial and emotional distress. 

Desired Resolution : I seek the following resolutions : An investigation into Advance Financial 's lending practices Adjustment of my loan terms to fair and reasonable rates Implementation of better customer service and negotiation options for all borrowers Compensation for the financial and emotional distress caused by their practices Removal of all negative remarks from my credit report associated with this loan, as per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, which requires that credit reporting agencies ensure maximum possible accuracy of information.
Product: Debt collection

I received a letter of collection for a debt that was charged off on XX/XX/year>. It has passed the statute of limitations according to the FDCPA. This company has no right to harass me regarding this. I am XXXX XXXXXXXX XXXX making an effort to pay off legitimate debt to this collection company. I cant afford unfair and unlawful debt to be added.
Product: Debt collection

I provided the companies with affidavits of identity theft, police reports, detective phone numbers and multiple disputes that were all ignored. I requested a detailed description of the companies ' methods of verification, validation of debt, license to collect in the state, I sent a litigation letters all of which have been ignored. I requested a block based on FCRA-605b which was also ignored. The companies will not respond to me at all. I do not owe the collection agencies anything.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX is reporting a debt from XXXX XXXX, XXXX. I have already provided proof that the debt is more than XXXX XXXX XXXX, in XXXX of XXXX. Now in XXXX the old information reappears on my credit report causing severe harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove fraudulent account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

CITI XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}.
Product: Mortgage

Select Portfolio Servicing ( SPS ) purchased my loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX, less than six weeks after I closed on the loan. The initial payment was {$3900.00}, including {$360.00} in escrow. This amount was based on a reassessment of my property taxes and I knew once XXXX XXXX XXXX had approved my application for the Prop 19 Parent-Child Exclusion, my taxes would be amended and my escrow would be decreased. XXXX XXXX XXXX approved my application in XX/XX/XXXX and the taxes were revised in XXXX for the new tax year XXXX. SPS performed an escrow analysis which increased my payment to {$4800.00}, including an increase of my escrow to XXXX. This was an increase of {$870.00} even though my property taxes went from {$10000.00} to {$920.00} in the County 's correction. SPS did have this information because they paid my XX/XX/XXXX property tax installment of {$460.00} on XX/XX/XXXX. I contacted SPS, but they told me another analysis wouls not be performed until the year anniversary of my account. I continued to call until I spoke with a representative on XX/XX/XXXX. She researched my account and discovered that everything I had been saying was true. She told me that the overage on my account, approximately {$6000.00}, would be mailed in the form of a check and I would receive it in five to seven business days. She also told me that a new escrow analysis would be performed. I waited two weeks and received no payment. When I contacted SPS in XX/XX/XXXX, they told me that no such notes were on my account and a request had been opened on XX/XX/XXXX for an escrow analysis. No refund would be processed until the analysis was complete and the {$6000.00} amount was not a valid number. I received the new escrow analyis on XX/XX/XXXX and even though it was completed on XX/XX/XXXX, nothing has happened. I have contacted SPS at least ten times since XX/XX/XXXX and each time I get a different answer about the escrow analysis and my refund of {$5400.00}. And no one can tell me what the refund includes or how it was calculated. I also know that they will do another analysis in XXXX and I will have to wait a month to request another refund of any amount that is not included in the current refund amount, which will be approximately {$3300.00}. Today, XX/XX/XXXX, I spoke with XXXX XXXX, supervisor. She told me I was not alone, that many, many customers were in the same situation as I am in with the company. There are no notes on my account and the refund has not processed. She has no way of finding out when the refund will process. She gave me the email and phone number of the Ombudsman 's office for the company and told me to keeo calling back. She also told me that my amount was small and was easily overlooked by the system. I am battling XXXX XXXX XXXX for close to {$28000.00} for the same refund issue and the fact that SPS can continue holding my money, yet expect me to submit my monthly payment on time, without a penalty is egregious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I here by Opt-out of Marine Finance sharing my nonpublic private consumer financial information with any third party non affiliates. Continued reporting will be a violation of Regulation P of the Code of Federal Regulation.

This is a Notice Of My Intent To Sue for a violation of my consumer rights.
Product: Checking or savings account

This is regarding the checks that has been cashed from my account without my knowledge from our bank WELLS FARGO with forged signatures. 
We recently moved from XXXX to XXXX  and during the moving unfortunately we lost/misplaced our check book. As soon as we realized we lodged the complaint with the police and advised the bank as well. Then we went through our bank statements and there were around 14-15 checks that has been cashed with amounts from XXXX us on the name of XXXX XXXX and the bank he used is XXXX XXXX XXXX XXXX out of XXXX, DE. 

At first, WELLS FARGO assured us that they will investigate and credit the checks back into the account but later on they denied the claim stating that it passed the time limit. We are not aware of any such limits if they exist or not. Later on when we call the bank they were not able to provide an satisfactory answer. 

The signatures that are on those checks are no way similar or close to our regular signatures. I think its Banks responsibility to verify the check with the account holder if they see something different specially the signatures.
Product: Credit reporting 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 Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1

5 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: Debt collection

I checked my credit report and there were  XXXX  accounts reporting from Wakefield & Associates that do not belong to me and I have no knowledge of. I attempted to have the accounts validated thru the credit bureaus and also with Wakefield & Associates with came back validated. Wakefield sent me  three  print outs that do not show account numbers, dates of service, no original documentations with my signature or anything that validates these debts. Also the print outs that they sent me have different amounts from what they are reporting to the credit bureaus. I also believe them to be in violation to the HIPPA laws.
 XXXX 
Account Number : (   XXXX   ) Account Number : (  XXXX  ) Account Number : (  XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts Experian Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at XXXX XXXX that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe XXXX any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in XX/XX/XXXX.
Product: Mortgage

My mortgage loan was sold to flag star bank approximately XX/XX/2019. I was not notified properly of this and was dinged heavily on my credit report because of this. I was on XXXX  XXXX   and had a direct deposit that was set up from my the prior loan company that was not transfered over and the main reason whyy mortgage payments were not paid. I was never late on a mortgage payment prior and had a perfect credit score of XXXX between the three credit bearaus prior to this. I found out my mortgage company was transfered only when I noticed that my credit score went down. I reached out to the company that reported the late payment flagstar bank only to be notified that my mortgage was transfered in XXXX. I told the representative that I had not recieved any notification of this and while being on the phone with him we realized that they did not have my phone number nor my email on record to notify me. I was told that postage mail was sent tp notify me but I told him that I do not open mail I do not have official business with as I recieve a lot pf junk mail nor was I home because i was on XXXX XXXX  elsewhere. Either way made the payments hesitantly hoping the credit error from the mis-communication would be fixed pending payment which was never done.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries Pursuant to FCRA 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of a data breach and identity theft. I request that all accounts and inquiries associated with the fraud be immediately blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
The fraudulent information includes the following : Accounts : 1. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Inquiries : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should remove any incorrect accounts from my credit report. Could you verify the documents? Some accounts have incorrect reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts.

Account Name : XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

In the matter of : XXXX XXXX XXXX Chapter XXXX Bankruptcy Case No. XXXX Discharge Date : XXXX XXXX, 2014 After reviewing my credit report I have found information, which needs corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The account ERC is illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, IL XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. I am requesting that the item be deleted to correct the information. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Arizona XXXX XXXX : XXXX Fax : XXXX
Product: Other financial service

In XXXX of 2016 I went under contract for a new construction home with PULTE. Along with the contract, I was presented with many documents including a single sheet ( XXXX piece of paper ) showing the proposed layout of the lot. At the time, the entire back of the subdivision, where the row of my townhome was going to be built, was not yet developed. This fact of course made it impossible for me to envision where and how my unit was going to look like. 

After many delays in the building of the units, it was finally XXXX when I had the first official construction meeting with Pulte. The final week of XXXX, after they laid down the foundation, I visited the property and to my surprise, the row next to mine -also brand new-, was almost touching. What this finding meant to me was that I would not have any privacy, any common area, any green space on the back of the unit. The majority of the complex is very well thought out and most homes count with significant privacy and common grounds so I would have never imagined my house not having the same specifications. 

I firmly believe there was a purposeful lack of misrepresentation. I was never provided with actual measurements of the lot and the ones being erected next to mine. 

There was plenty communication between XXXX XXXX, representative for Pulte, and myself from XXXX to XXXX that could have allowed the lack of privacy on the back patio to transpire. 

When I first signed the contract, there were other lots open and if I had been presented with all the facts, I would have selected a different property. 

When you couple this with the significant delays in the construction of the townhome ( it was going to be finished XXXX XXXX and it is today still being built ), you can understand the detriment that this posed for my family and myself. 

Additionally I had to wait XXXX additional months to list my own home for sale, missing the summer market along with the potential for a larger profit. 

In the end, I decided to terminate the contract with Pulte and at that time my real estate agent and myself engaged in negotiations with the builder to try to get my initial deposit back. I paid {$6000.00} as earnest money. As of this day, Pulte has denied any refunds. 

This is the purpose of my complaint. I would like to get a refund for the full {$6000.00} initial deposit. Please note that the seller put the home on the market right away and it is already under contract for a larger sales price than mine. The builder never loses! 

You can see the email exchange between Pulte 's sales representatives and my agent. 

I have worked hard to advance in life as a minority single parent and I deserve to be treated fairly and to receive as much information as it is available at the time of making life changing decisions as buying a home. 

Pulte knew how important this purchase was for me given my family situation and provided that my parents were assisting me with a portion of the financing. 

I thank you for your time and consideration of this request. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Vehicle loan or lease

I purchases a vehicle on XX/XX/XXXX with hyundai motors finance. I canceled a vehicle service contract XXXX extra warranty ) on XX/XX/XXXX. The dealership sent a check to this company on XX/XX/XXXX and the check was cashed by hyundai motors on XX/XX/XXXX. The check was made out to them with my name and last 8 digits of my Vin number. Hyundai motors finance applied the check to someone else 's account, how this happened who knows. I've been calling this company regarding this refund since XXXX and they kept telling me that they hadn't received the payment yet. I called the dealership XXXX XXXX XXXX XXXX to find out when the check was sent and when it was cashed. On XX/XX/XXXX they finally found the payment went to some other persons account so after sending 2 months of emails to their payment processing team the payment was found and then took them 4 more weeks to reverse the payment and apply it to my account. The account was paid off in XX/XX/XXXX and I have still not to receive my refund from this company. They still have my check pending and no one has taken the time to even have the payment sent out to me given that it has been 90 days already since this whole situation occurred.
Product: Checking or savings account

I opened my regions account on XX/XX/XXXX. 
I dont have another bank account there. They only report account openings when a bank account is in your name. My credit report shows 2 bank accounts when I only have 1 bank account and debit card. Temporary cards are not reported to your credit so they must have opened an account fraudulently when they gave me a XXXX debit card. On XX/XX/XXXX a new bank account was reported.