23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Foreclose date incorrect on credit reports. CIT Bank reflects a foreclosure date on XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, and XXXX XX/XX/XXXX. Date of foreclosure deed was transferred to trustee was XXXX and date stamped by circuit court clerk was XX/XX/XXXX. Reflects on my credit report under account XXXX.
Product: Credit card or prepaid card

1. My complaint is about Discover Bank and its affiliates deducting funds from my personal checking account without permission InXX/XX/XXXX. They were never held accountable for this unlawful act. Discover lied and stated that I gave them permission via phone to withdraw {$140.00} from my checking account. Also, fines for Robo calling me from XX/XX/XXXX to XX/XX/XXXX.
2. Discover Bank sued me in the 29th District Court for outstanding debt and the 29th District Court awarded them a judgment in the amount of {$3900.00} on XX/XX/XXXX. Case No. XXXX.
3. I am attempting to be monetary be awarded fines that stem for their unlawful actions in trying to acquire payment. Discover broke federal laws which the 29th District Court does not have jurisdiction over and in addition to the proceedings, Discover cost me to lose money from work in their failure to appear at Court on XX/XX/XXXX. These costs should be used to offset the indebtedness Discover is seeking through their attorneys at XXXX XXXX XXXX XXXX.
4. This complaint is about Discover Bank.
5. The people involved are XXXX XXXX ( Defendant/Counter-Plaintiff ) and Discover Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND REQUEST FOR VERIFICATION OF ITEMS ON MY CREDIT REPORT. 
There are still items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged  debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be  a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I was involved in a car accident outside of XXXX, PA in XXXX. Upon fire crews arriving a friend who was in the car needed to be XXXX XXXX XXXX XXXX. As we were not close to our home the officer and fire crews informed us we MUST ride with the ambulance transporting our friend to the hospital. So we obliged. I myself, as well as the XXXX others who were not injured WERE NOT TREATED by the medical crews. However, months letter we received a bill for transportation however the accident was deemed not our fault and our friend who was injured had his medical expenses covered by other drivers insurance. Yet they are attempting to charge us {$200.00} for transportation. Which utterly ridiculous. As a result I ignored their letters and the debt was subsequently sent to a debt collector. Since then I have been absolutely harassed. They began calling on XX/XX/year> on that day they called 5 times ( as seen in the attachments below ) however they do not let you answer forcing you to call them back. These include multiple phone calls in the same minute ( as seen in the attachments ). When I finally was able to reach them back they identified themselves as Waterfall Revenue Group XXXX XXXX, NJ and identified the debt. At that point I asked to be removed from their calling list and they had agreed however I have continued to receive phone calls including today XX/XX/year>. These attempts are ridiculous and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regular Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX These inquiries should not be on my Consumer Credit Report.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

Regarding : XXXX XXXX XXXX {$970.00} Acct XXXX I don't believe this collections is being properly classified as medical/healthcare. I've RECORDED several phone calls with Experian which leads me to this conclusion. Each representative I talked to gave me a different excuse for why this isn't being classified as medical. The excuses I've received are as follows : 1 ) Because the name of the original creditor implies that it is medical, it is not important that it be classified as medical. 
( a ) This is FALSE. Per the commonly used " Credit Reporting Resource Guide '', medical collections MUST populate the " Creditor Classification ( K segment field 3 ) as  code 2 " Medical/Health care. 
( b ) Some FICO scoring versions score medical collections less harshly than regular collections accounts. There is no way I believe that the FICO model goes in and reads creditor names to decipher if it may or may not be medical. If it's not being properly classified as medical, then FICO does not treat it as medical!

- 2 ) Because the collection agency that is reporting the debt itself is not a part of the healthcare industry, it is not required to report it as medical.

( a ) Again this is FALSE. FCRA Section 623 ( a ) ( 9 ) explicitly states that both the original creditor AND its agent ( XXXX XXXX XXXX in this case ) must be classified as medical/healthcare. 
3 ) This collections account actually is already classified as medical but I just can't see it on the version of the credit report I'm referencing. The Experian representative promised to send me the " detailed '' version of my report that will show the classification. 
( a ) The report the Experian representative sent to me is the same report I already had. There is no additional " detail '' or anything else that references this account as a medical collections. 
( b ) If there is a more detailed report, I'd like you to send it to me ASAP and quit stalling me. I want FULL DISCLOSURE of everything in my credit file as required BY LAW. I don't trust you to do the right and ethical thing therefore I want to see EVERYTHING that you are currently suppressing from my report! 
Either your representatives are uninformed or unqualified for the job they're doing, or you're knowingly LYING to me about MY INFORMATION! 
My next step is to file a lawsuit!!!
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 Resurgent XXXX XXXX  : # XXXX, has violated my rights. 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: Credit reporting

I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.
Product: Vehicle loan or lease

On XX/XX/XXXX, I visited XXXX Chrysler XXXX XXXX Dealership in XXXX, TN, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, with the intent of purchasing a XXXX XXXX valued at {$40000.00}. I sought assistance from the sales consultant, XXXX XXXX, who collected pertinent information, including my social security number, to facilitate the financing process. Acting under the guidance of manager XXXX, XXXX XXXX initiated funding applications with multiple lenders on my behalf. 

Subsequently, Manager XXXX communicated the outcomes of these financing endeavors. While Chrysler Capital extended approval for the requested amount, they conditioned the approval on a substantial down payment of {$12000.00}. In response, I asserted my rights under the Equal Credit Opportunity Act ( ECOA ), specifically referencing 15 U.S.C 1605, which prohibits mandatory down payments for individuals with " favorable '' credit. 

The dealership, however, contended that their internal policies superseded legal mandates, as conveyed by Chrysler Capital Underwriter XXXX. In an attempt to engage in a meaningful discussion with the underwriter, I proposed a conference call facilitated by the dealership, but this request was summarily denied by XXXX XXXX, citing a reluctance to comply regardless of legal stipulations. 

Complicating matters, the dealership utilized my social security number without providing any discernible benefit, potentially constituting unauthorized credit card usage under 15 U.S.C 1602 ( p ). Despite my desire for a thorough review with the underwriter, the dealership declined to initiate the necessary communication protocol as outlined by the credit application process. 

The denial of credit and subsequent embarrassment inflicted by the dealership 's employees prompted this formal complaint. My singular objective is to secure approval for the purchase of the XXXX XXXX under fair and compliant terms, aligning with ECOA guidelines. I anticipate a resolution that upholds legal standards and affirms my ability to secure financing through Chrysler Capital. 

In light of the foregoing, I call upon Chrysler Capital to honor the principles of fair lending and adherence to relevant financial regulations. May this matter be resolved justly, ensuring that the acquisition of the XXXX XXXX is conducted in accordance with established legal frameworks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've tried over and over again to have the credit agencies to remove these accounts because the statute of limitations has expired. Listed below are the accounts that are reporting and should be removed according to the CRA. 

XXXX Account # : XXXX Account Type - Detail : XXXX XXXX estate mortgage. Date Opened : XX/XX/XXXX XXXX XXXX : {$310000.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX Account Type - Detail : Rental agreement Date Opened : XX/XX/XXXX High Credit : {$920.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX Account Type - Detail : Educational Date Opened : XX/XX/XXXX High Credit : {$0.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Account # : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$4500.00}
Product: Credit reporting or other personal consumer reports

Please be advised that this is my XXXX  WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 


XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, XXXX ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' XXXX ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have XXXX hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by XXXX ( a ) ( XXXX ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft someone has used my information to obtain and attempt to obtain new credit without my consent/authorization or knowledge. And I demand that these fraudulent accounts be blocked and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX 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

I do not live at the addresses on my credit report. Most of the addresses listed I never lived at. Also listed on each report are telephone number I have never been associated with my only telephone number is XXXX XXXX XXXX. Also this is my current and only address XXXX XXXX XXXX XXXX XXXX. all of the other addresses and telephone numbers listed on my report is fraud please remove
Product: Mortgage

Subject : Complaint Against Fay Servicing for Predatory Debt Collection Practices and Repeated Errors Dear Consumer Financial Protection Bureau, I am writing on behalf of XXXX XXXX XXXX XXXX to file a formal complaint against Fay Servicing for engaging in predatory and unfair debt collection practices related to the mortgage on our property located at XXXX XXXX XXXX, XXXX, Florida, XXXX, associated with account number XXXX. Below is a detailed account of the issues we have encountered : In XXXX, XXXX separate payments were made towards the monthly mortgage ; {$1700.00} from XXXX bank account, and {$380.00} from another. A mistake occurred on XXXX XXXX part where the representative misrecorded the account number for the {$380.00} payment, which prevented the transaction from processing correctly. 

This error was not identified until XXXX, when we attempted to make the subsequent monthly payment and noticed that the XXXX payment had not been processed. Instead of correcting their error, Fay Servicing charged default interest for 41 days and beyond, and XXXX our online payment capabilities, preventing any further attempts to rectify the issue through their online system. 

This incident of charging exorbitant fees due to administrative errors is not isolated. Previously, when our bank details had to be changed due to a compromised account which caused a slight delay in payment, Fay Servicing charged over {$4000.00} in default interest. This fee was added to the loan balance without consideration of the circumstances or any attempt at understanding, illustrating a pattern of predatory behavior. 

When we contacted Fay Servicing to resolve the issue and proceed with the XXXX payment, we were informed that we would need to pay not only the current amount due but also the accumulated interest of {$3700.00} from their prior error. They refused to accept any payment that did not include this inflated interest amount, effectively forcing us to agree to their terms or face further financial penalties. 

These practices are not only predatory and unjust, but they also demonstrate severe mismanagement and a lack of basic customer service ethics on the part of Fay Servicing. Penalizing customers for errors made by their own staff, and blocking payment attempts to enforce unnecessary charges, are clear violations of fair debt collection practices. 

We urge the Consumer Financial Protection Bureau to investigate this matter with urgency and to enforce measures to correct these issues. We are seeking a resolution where all erroneous charges and accrued interest are waived, and our ability to make payments is fully restored. Furthermore, we request that safeguards are implemented to prevent such issues from recurring in the future. 

Thank you for your time and help. 

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

I disputed with the 3 major credit bureaus about my 2 old accounts with Capital One on XX/XX/XXXX and received my results from XXXX  as closed on XX/XX/XXXX with incorrect information. I paid off my delinquent account with Capital One on XX/XX/XXXX but they reported my first major delinquency as XX/XX/XXXX. That is impossible if I paid the account off in XXXX of XXXX. XXXX  stated the information was verified and accurate as you can see in the attachments. The second account they just changed the numbers when I ask them to delete it because it was reporting wrong for over a year until I pointed it out while working to improve my credit report.
Product: Checking or savings account

I could not access my online banking. I followed Wells Fargo online prompts to identify me. Their site required me to enter my entire social security number. I was pensive, but complied. On the next screen their site required me to enter my ENTIRE ATM card number. I was VERY pensive, but complied. On the next screen their site asked for my ATM PIN number. I did NOT comply. This is ridiculous ... any hacker would have EVERYTHING they needed to hack into my accounts! I called the Wells Fargo number on the back of my ATM card. A gentleman there transferred me to an automated system which required me to repeat my voice is my password, please verify me. I had used this system in the past, and it worked. This time, the system asked me to repeat it again & then asked me for my account number or ATM number which I didnt have with me. I pressed 0 and got a woman on the line that wanted me to start all over again. At this point, I still havent been able to get into my account and I was irritated that she couldnt just put me back into the que to reset my password without another hour on the phone. Their system breaches my rights to my information being kept secure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Virginia XXXX XX/XX/year> OneMain XXXX XXXX XXXX XXXX, Maryland XXXX Re : Cease and Desist Notice Regarding Alleged Debt Account # XXXX Amount {$3800.00} To Whom It May Concern, I am writing to request that you and your company desist all collection activities related to the alleged debt referenced above, which is purportedly owed to your company. This request is made under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the requirements of 15 USC 1602 regarding the provision of a 1099-C form in cases of charge-offs and write-offs.

Based on the absence of a 1099-C form and the lack of validation of the debt in accordance with the FDCPA, I have serious concerns regarding the legal validity and necessity of continued collection efforts by your company. Without the proper documentation and compliance with the provisions of 15 USC 1602, I request that all collection activities cease immediately. 

Therefore, according to my rights under the FDCPA and the legal requirements outlined in 15 USC 1602, I formally request that you and your company : Cease all communication with me and any third parties regarding the alleged debt, including but not limited to phone calls, letters, and any other form of contact Cease all collection activities, including reporting the alleged debt to credit bureaus or pursuing any legal action.

Refrain from any further assertion of the alleged debt until adequate documentation and compliance with 15 USC 1602 are provided to me.

I remind you that failure to comply with this request will be considered a violation of the FDCPA and may result in legal action. Please take this notice seriously and provide confirmation in writing that collection activities have ceased. 

Please consider this letter as a formal demand for the cessation of all collection activities related to the alleged debt in question. No further communication or collection attempts should be made concerning this debt until the requested documentation and compliance with 15 USC 1602 are provided and the debt is validated under the FDCPA. 
Sincerely, XXXX XXXX