23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Dear CFPB, I am writing to file a complaint against ALLY BANK for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). The companys conduct has been egregious and harmful, affecting my rights and well-being. Here are the specific violations : XXXX and XXXX : ALLY BANK repeatedly contacted me using threatening language, causing emotional distress, and interfering with my daily life. 
Their relentless pursuit amounts to harassment and stalking, violating my rights under the FDCPA. 

Bodily Harm and Threats : ALLY BANK made veiled threats, implying bodily harm- not in the physical sense but rather in terms of my well-being and comfort, as well as other illegal actions if I did not pay. 
Such threats constitute bodily harm and are strictly prohibited under the FDCPA. 

False Reporting to Credit Bureaus : ALLY BANK inaccurately reported information to credit bureaus, damaging my creditworthiness.

These false statements have severe consequences for my financial well-being.

Unauthorized Fees : ALLY BANK added unauthorized fees to my debt, increasing the amount owed without proper justification.

This violates the FDCPAs prohibition against unfair practices.

Improper Handling of Post-Dated Checks : ALLY BANK deposited post-dated checks before the specified date, disregarding my instructions. 

Their actions violate the FDCPAs guidelines on handling payments. 


ALLY BANK falsely represented itself as a lender of money. ALLY BANK is impersonating the judicial branch and legislative branch of government, misleading me and imposing oppressive penalties without a trial by jury with their bills of attainder. 

This deceptive behavior undermines consumer rights and violates the FDCPA. 

False Statements and Misrepresentation of Debt Amount : ALLY BANK falsely claimed that I owed an inflated amount, misrepresenting the debt. 
Their actions violate the FDCPAs prohibition against deceptive practices.

In total, ALLY BANK has collected {$51000.00} in payments and currently requesting an additional {$4000.00} or they will sell my car.

I request a thorough investigation into ALLY BANKs practices and appropriate penalties. Please find attached relevant documentation, including communication records, credit reports, and any other evidence.

Thank you for your attention to this matter. I trust that the CFPB will take necessary action to protect consumers from such abusive practices. 

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

XXXX XXXX is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt with XXXX XXXX that I do not owe. I have consulted with my Attorney General for the state of California and the statue to enforce and collect on this debt is past the statute of limitations. NO tonly is this account pas the statue but it is also past the credit reporting limit under the FCRA guidelines. I do not owe this debt, you may not collect on this debt and it must be removed off my credit report. Please be advised that reporting false information on my credit report could constitute fraud under both federal and state laws. If you continue to report erroneous debt on my credit file, I will not hesitate to bring legal action against you.
Product: Mortgage

Due to the Covid-19 Pandemic, I was told by the Governor to stay at home. My place of business of 20 years was closed and I has no income coming in. I contacted Fay Servicing and explained that I was affected by the pandemic and that I could not pay my mortgage. Fay Servicing advised me that I had been approved for a forbearance and that my account would not reflect any late payment and of late payments being reported to the credit bureaus. At the end of my forbearance period ( 18 months ), I was told by Fay Servicing that I had to pay the entire amount due or they investors would foreclose on me. I tried to get a modification several times, and Fay Servicing kept delaying the process, loosing my paperwork, conveying false information and not following through with the modification guidelines. I attended medication and Attorney XXXX lied to the Administration Hearing Judge and told him that I only needed one more document, and that my file was prepared to go to underwriting. 
The next week Fay Servicing switched up on me and said that I had to complete a new package and that their client was moving towards foreclosure. I retained an Attorney, and a modification was offered to me but, it was so aweful, I opt to decline. 
My loan interest would go from XXXX to 7 %, I would start over at 40 months, balloon payment {$400000.00} monthly payment would increase by about {$2000.00} and month. I couldn't afford that. Please call me to discuss I'm about to time out
Product: Debt collection

FH Cann has been repeatedly calling me and asking for XXXX about a debt. They stated the debt is from late XXXX. Theyre citing a college I went to but I graduated in XXXX. The woman was very aggressive and I kept asking for a debt validation. I have never received any mail or verification from them about any debt. I want them to stop calling immediately and only correspond by mailed letters.
Product: Money transfer, virtual currency, or money service

XX/XX/year> a request for An emergency money transfer in the amount of XXXX with bank of America Edd Unemployment benefits was an error in my name spelling preventing me the ability to pick up the funds had to call boa back and was told i had to wait 45 days from that day to receive the funds back into my account. I called everyday for the first 2 years and today it's longer then 4 years I'm still waiting I've provided all documents that could help solve this issue and they've made no help with keeping those documents safe. I was sent a letter that an error did in fact occurred and it would be taken care of. Only to still be on pending status. I've lost a great deal of my time and energy trying to do their job their policy is XXXX per week of a money transfer transaction occurring and they went over that amount in a four day gap. At the time I had issues with my landlord which I was evicted for not paying in time still homeless today. I have called more then enough times to be hung up on put on hold and put my hopes up just to still have nothing. The error occurred on boa end when it clearly should havent because ive Been through one money transfer transaction prior to the one they made an error on so its really not clear what happened to be treated as a fair customer service as a priority when the proof was more then enough. I've lost time away from my family over this issue that was humiliating and offensive to me because I had to explain every time I called boa because notes weren't put on my account to make it easier for me to be taken care of instead it causes my dispute to overlaps over time and it worked against me because the same transaction was submitted as a new dispute over and over again. Giving them more time to have the records become archive in the system where today I'm told their not able to go that far back on the transaction I'm disputing about. Im unemployed today and I'm homeless I've fought so long with so much energy I don't get why this is still an issue. Unemployment benefits are no longer being issued by boa for a lot of reasons. I'm just not comfortable with all the time I've lost having this over my shoulders still. I've received letters after letter about an error occuring then not occurring then being given temporary credit four times back and fourth it was taken back given again to losing again too many staff touching this case but not enough to have it solved already. Ive tried to work with them but now I'm fed up I would like to know how this can get resolved to be at peace of mind for myself. I'm exhausted after four years of being patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my report that I dis not consent to that I need to be removed from my credit report ... my Wallet was stolen and someone has been applying for things in my name so they do have my information but it was not me please delete these Thanks
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XX/XX/2022
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 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX {$36000.00}, XXXX XXXX {$610.00}, XXXX XXXX balance {$22000.00}, XXXX XXXX balance {$39000.00}, XXXX XXXX balance {$10000.00}, XXXX XXXX  balance {$23000.00}, XXXX XXXX XXXX  XXXX XXXX {$33000.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Charged off XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiry in Dispute : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have requested information/validation on the debt bearing my signature from CONTINENTAL FIN CO acct # XXXX on XX/XX/2016,XX/XX/2016,XX/XX/2016. They have not responded to any of my letters nor have they provided me any validation. They also have not requested that the XXXX major credit reporting agencies add a statement of dispute to my credit files. They have violated the law by not responding or adding a dispute statement to my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX at address ( XXXX XXXX XXXX, XXXX, WA XXXX ) has been sending me collection notices in the amount of ( {$100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 


In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, violated my rights. 

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

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus report this account XXXX XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this ASAP..
Product: Credit card

On XX/XX/year> XXXX XXXX transactions were made using my Apple Credit Card that I didn't place or authorize. Amounts : {$120.00}, {$280.00}, and {$280.00}. I wasn't able or given the option to deny these transactions using the XXXX XXXX, so I immediately contacted an Apple Card XXXX, XXXX, from Goldman Sachs Bank via XXXX the same day ( on XX/XX/year> at XXXX ) to dispute them. XXXX told me that they would be disputed and if more information is needed they'll reach out via email. 

On XX/XX/year> I contacted them again, seeing that new XXXX transactions continued to be made using my card ; some of which I was able to decline myself. I was also able to request a new card number for additional security multiple times via the XXXX XXXX, seeing that per XXXX " request a new number if you suspect your current one has been compromised, '' while also having Advanced Fraud Protection enabled, allowing my security code to be changed periodically to keep my virtual card number safe. I was told by XXXX that these new transactions would be disputed and if more information is needed that they'll reach out via email, which they never did. 

On XX/XX/year> I contacted them a third time, the " disputes were declined because the transaction details showed the charges were authorized, '' which is untrue seeing that I never placed or authorized them. The specialist proceeded to tell me to contact the merchant ( XXXX ) " to gather evidence where these items were delivered '' and " send us evidence to support your disputes. '' For one, I'm unable to contact the merchant directly because the orders in question don't even show up on my XXXX account or order history, thus a dispute wouldn't be possible. The same day ( on XX/XX/year> at XXXX ) I reached back out to provide documentation to support my claims : screenshots of my XXXX XXXX history from XXXX that were placed by me using an entirely different card - the only card that's attached to my XXXX account ( XXXX XXXX ). The XXXX, XXXX, stated " your documents have been submitted. Please contact us back if you need help with anything else in the future. '' On XX/XX/year> I contacted them a fourth time and provided the same documentation that was provided on XX/XX/year>, because the disputes were declined again. The transactions are currently in pending review.
Product: Debt collection

On the XXXX XXXX XXXX I was called while I was abroad in XXXX. 
A country well known internationally for scammers stealing people 's private personal information and using it to scam people out of their hard earned money. 
As soon as the representive call me from portfolio recovery, and started to tell me the call is being recorded and is an attempt to collect a debt. 
I told her I was not in the united States and can not talk about the matter until I returned to the XXXX. 
She started to read out by personal information over the phone. 
Like my full name, my address, my phone number and my social security number. 
I asked her several times to stop as I 'm not on a secured line and my information can be stolen by scammers in XXXX. 
She refused to stop and continued, she kept talking over me, and kept saying it any ways. 
Wnen I realized she was harassing and battering me I cut the call for fear of her releasing further information over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate addresses, names, and SSN variation for my account. 

Between XX/XX/XXXX and XX/XX/. I have called Transunion several times. 

1. On XX/XX/, I sent a handwritten letter to Transunion ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

2. On XX/XX/, I sent a notarized typed letter to Transunion ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

I have sent 1 handwritten letter and one type notarized letter ( all  certified mail ) disputing incorrect addresses on my credit report and Transunion has failed to delete the addresses.
Product: Credit reporting or other personal consumer reports

I assert firmly that it is unjust for me to shoulder responsibility for these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward, consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items dispute, the evidence I provided, causing, ongoing harm to my credit standing. I am requesting immediate, corrective action to remove or amend the disputed accounts, as experience and action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank Delaware - XX/XX/2022 - {$4700.00} - Account status Closed XXXX XXXX - XX/XX/2022 - {$9000.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$5800.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$790.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$780.00} - Account status Closed In accordance with the Fair Crediting Reporting act XXXX  Account # XXXX, has violated my rights.

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 an account without my written instructions.
Product: Consumer Loan

I financed an exercise machine from XXXX. The financing is done through Fortiva XXXX and I have been waiting for refund for 4 months. Both companies are at fault, they both keep sending me back and forth.
Product: Debt collection

Bridgecrest is a third party debt collector, and listed as a servicer to XXXX, was sent correspondence and an affidavit to inform them of their violations of the FDCPA, SEC, my Federally protected privacy rights of 1974, ( 5 USC 552a ) Proof of contract between parties and not STATEMENTS, committed language fraud, and in the FORM 8-K 7TH SUPPLEMENTAL INDENTURE, Rule 425 under the Securities Act ( 17 CFR 230.425 ) 16 CFR 433.2 they I informed them i revoked any and all rights i may have given them, written, non written, verbal and nonverbal, and still they're going against federal law, the SEC indenture they signed to and uphold. I revoked their POA and provided my POA in place, and under penalty of perjury, they didn't rebut what was given to them. i have not received my 1099c from the Trustee and due to the debt is already prepaid due to 18 USC 8, and I've already given them a promissory note that was securitized, which is under the UCC which they committed securities fraud. under 15 USC 6802 they may not disclose my information without my written consent and they didn't receive it, because i never gave it so that would be Identity Theft 12 CFR 1022.3. Bridgecrest has caused injury and are civilly liable for their willful noncompliance 15 USC 1691n and 15 USC 1681o. as a federally protected consumer I'm enforcing my rights to have my compensations remitted due to the injuries caused. by reporting late on an open-ended credit, that's a violation as well.