23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ally XXXX was informed and agreed not to call or text my cell phone to discuss my loan in XXXX. From XX/XX/XXXX - XX/XX/XXXX. Ally has continually contacted my cell phone via texts and automated dialing and automated voice messages, hiding their company ID on caller ID, repeatedly changing numbers called from after i blocked the number, never once identifying themselves via caller ID. In violation of Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 et seq. prohibits unfair or deceptive acts or practices in the marketplace. 

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ( which is enforced by the FTC ) provides that debt collectors may not, in connection with the collection of a debt, place telephone calls " without meaningful disclosure of the caller 's identity. '' 15 U.S.C.  1692d  ( 6 I have written Ally XXXX several times, It took them 2 months to respond claiming they didn't do anything wrong
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX  XXXX Account Number XXXX with Experian. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agencies reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Public Law 90-321 expounds on Title 15 Section 1681 and states consumer credit should only be pulled for XXXX XXXX provisions. Finally, pursuant to 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Student loan

Navient reported me 90 days late to Credit Bureaus XX/XX/2017. I was approved for forbearance on XX/XX/2017 to include the months which they reported me. I spoke with the advocate office and they indicated I listened to their recorded terms of the agreement when I was approved for forbearance and they reported accurately. They did mention that they updated the Credit Bureaus that I was no longer past due however that did not remove the 90 day late from my credit report. My argument is this. Navient approved my forbearance for what was past due, which brought my account current with no payment due for those months and my next payment is not due until XX/XX/2017 - than Navient is NOT providing accurate information to the credit bureaus. They are supposed to correct and update the information they are reporting as ( they ) Navients records now show that there was no late payments on my account as they approved the forbearance to be retroactive and delete the past due amount from their records to bring my account current. Should Navient not report this same information to the Credit Bureaus as well? Who regulates these agencies?
Product: Checking or savings account

On XX/XX/year> someone pretending to be an employee from the fraud department with Wells Fargo called me to say someone was trying to XXXX XXXX to someone in another state from my account and wanted to know if i authorized this transaction and i stated absolutely not. They then proceeded to tell me that someone had gotten into my online bank account and had turned off the alerts so thats why i didnt receive any info on my end and that they would be texting me access codes to go into my account and turn the alerts back on and then they were gon na start an investigation. They then gained access to my savings, personal and business account and moved money around trying to withdraw my funds. They were able to set up apple pay on both my personal and business account and withrdraw money from a Wells Fargo Bank in XXXX Florida which is atleast 4 hours from my home and were able to withdraw {$300.00}. Then they used my card to access some funds for online gambling as well and withdrew funds. I went to the the local branch on XX/XX/year> and wanted to speak to someone in person and that time i was made aware that this person was impersonating a Wells Fargo employee and wasnt legitimate. I was furious so they filed the claims on my behalf and then denied them stating the person had my pin number which i didnt give to them so they denied the claim. I am furious., this has effected me mentally, physically and most of all my business. I then left and went to my local police department and filed a complaint with them. This is a sad world when even the banks side with the scammers. I'm extremely mad and will take this action further. If you can help that would be great. Thanks and have a happy XXXX.
Product: Credit reporting

I had an account with XXXX XXXX. My last payment on the account was made in XXXX 2008. I did not make any further payments. The account was re-aged to show that my last payment in XXXX 2008 so that it would remain on my credit for an additional period of time. This item needs to be removed from my credit report, under the FCRA XXXX XXXX was only able to report this negative information for seven years after the account was considered delinquent.
Product: Checking or savings account

I learned that BOA only credits .05 % on savings account balances, which is egregiously low in this interest rate environment. I can somewhat tolerate a low interest rate on a checking account as it provides free checking, automatic deposit, and overdraft protection. But what exactly is the purpose of the BOA savings account? Why should anyone put any of their hard-earned money into this product?
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : XXXX XXXX XXXX Date Listed : XXXXXXXX XXXX XXXX  The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Credit reporting

I contact Experian about some thing they got on my credit report that is not my.like XXXX.refuse to move it off
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I began my undergraduate studies with the XXXX XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my XXXX studies in XX/XX/XXXX with XXXX XXXX XXXX and completed my XXXX studies in XX/XX/XXXX. I was also enrolled at the XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their graduate level XXXX XXXX Certificate Program, these credits were later applied to a graduate degree in project management with the XXXX XXXX XXXX inXX/XX/XXXX, I completed this program in XX/XX/XXXX. During this time frame I used part of my XX/XX/XXXX  for these programs along with student loans. I had a series of health issues that were not resolved while on active duty that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. On XX/XX/XXXX DOE   directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX XXXX XXXX   XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : Southwest Recovery Services XXXX  have violated my rights! 
Account # XXXX in the amount of {$3600.00} & also, Account # XXXX in the amount of {$19000.00} 15 USC 1681 Section 602A States that I have a right to privacy!

15 USC 1681 Section 604A Section 2 States that a consumer reporting agency CAN NOT furnish ANY account information or personal information without the express written consent and authorization of the consumer! This company has NO such documentation from me! 
15 USC 1692 Section 805A States that a debt collector may not communicate with the consumer in reference to a collection of a place known or should be known to be inconvenient to the consumer! 
15 USC 1692 Section 806 Section 5 States that causing a phone to ring or engaging any person in a telephone conversation repeatedly with the intent to annoy, abuse, or harass any person at the called number! 
This company has violated ALL of these laws and several more for an extended period of time. Please Act within the full power and authority of your office and rectify these abuses and violations once and for all!!! 
Thank You XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX is claiming ownership of a student loan debt that they are reluctant to prove that they own the debt and that I owe the debt. 

I have requested from XXXX XXXX " current owner '' stated on monthly statements original documents from the original creditor that were executed and authorized by me. XXXX " the servicer '' has failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. In addition, I requested a copy of the contract agreement that gave authorization for XXXX XXXX to be the current owner without proof. 

I demand to know who legally owns this debt.
Product: Credit reporting or other personal consumer reports

I was paying to have my credit repaired with Lexington law and never received the actual results from them
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information, because these accounts are not mine. I have never signed anything like this and I do not recognize. Please check there my personal information as I believe its a huge error in personal data and identity theft. Please remove it as soon as possible. These items killing my report.
Product: Credit card

1 ) on XX/XX/XXXX American Express was sent a registered security for {$2000.00} USPS TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX 2 ) ON XX/XX/XXXX another registered security was sent in the form a negotiable instrument for over {$3000.00} USPS tracking number # XXXX per American express own policy A NEGOTIABLE INSTRUMENT IS AN ACCEPTABLE FORM OF PAYMENT per AMERICAN EXPRESS statement page 2.. copied below in quotes " Payment : Your payment must be sent to the payment address shown on your statement and must be received by XXXX XXXX local time at that address to be credited as of the day it is received. Payments we receive after XXXX XXXX will not be credited to your Account until the next day. Payments must also : ( 1 ) include the remittance coupon from your statement ; ( 2 ) be made with a single check drawn on a US bank and payable in US dollars, OR WITH A NEGOTIABLE INSTRUMENT PAYABLE in US dollars and clearable through the US banking system ; and ( 3 ) include your Account number. '' A negotiable instrument is LAWFUL form of payment see ( 31 CFR 328.5, 31 CFR 328.6, 31 CFR 328.7 ) the first ( 1st ) security/ negotiable instrument was sent to american express ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX the notice, ( which was not mailed to me ) below is the notice received on XX/XX/XXXX from American Express declining my negotiable instrument and NOT returning my registered security which would qualify as securities fraud. 


Account Ending In : XXXX Dear XXXX XXXX, You recently contacted us regarding a payment of {$2000.00} for your above referenced account. 
We recently received an American Express payment coupon ( s ) which appears to have been modified to be used as a payment instrument ( s ).

We can not honor a payment coupon ( s ) as form of payment for the above referenced account. In order to submit valid payment ( s ), it must be sent by one of the accepted forms of payment to us as stated in your Cardmember Agreement and/or the back of your statement regarding payment methods. 

If you have any other concern, please contact our Customer Service Representative at the toll-free telephone number at the back of your card. 

We have reviewed your account for any effect this has had on interest charges, delinquency, late payment fees, over-limit fees, returned check fees, stop payment fees, rebates or Membership Rewards points and have made adjustments, if necessary. 

While we investigated this inquiry you were not responsible for paying the amount of {$2000.00} under review. Since this concludes our investigation we have reapplied the amount under review to your account and it will appear on an upcoming statement. 


Thank you for your understanding in the matter. 

Thank you for your Card Membership. 

Sincerely, American Express Customer Care Dispute Reference Number : XXXX
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 XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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: Credit card or prepaid card

A credit alert popped up on my credit file from XXXX Credit card services XXXX weeks ago, I contacted them and they said that, the account and social security, address etc didnt match what they had. Yet today tin my XXXX XXXX account a new account was opened. I have a twin brother whom we share the same birthday late and we live next door. I keep being mistake for my twin brother his name is XXXX XXXX and I am XXXX XXXX. Under my profile it had me having a alias of XXXX XXXX thats not my alias, I have XXXX living family members that share the name XXXX XXXX. This has been very stressful trying to clear up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Innovis, Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. 

I did not open or authorize this account, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information and delete all XXXX items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how you are affecting my ability to work and make a living. 

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

I, XXXX XXXX, Consumers am aware Dated on XX/XX/2022 CFPB complaint ID XXXX that Yamaha Motor Finance Corporation U.S.A Stated Yamaha Financial Services is required to report accurate information to the credit bureaus : therefore we can not accommodate your request to remove the negative information : however, we have requested the credit bureaus to flag the tradeline as Disputed However,

Congress Policy under Gramm-Leach-Bliley Act makes it very clear that such Financial Institutions are REQUIRED to give their Customers/Consumers the opportunity to exercise their right ( s ) to Opt out of furnishing their nonpublic personal information ( See 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) ). ( B ) the consumer is given the opportunity, before the
time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX Yamaha Motor Finance Corporation U.S.A CEO now all I, XXXX XXXX, need for you to do is clarify that youve complied with Federal Law Gramm-Leach-Bliley ACT as required to give me ( XXXX XXXX ) customer and consumer such opportunity to exercise my rights to Opt out of furnishing my nonpublic personal information. 

Respectfully, Thanks, Best Regards. 
XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX and throughout my life, I've had an excellent credit rating. Never once missed a payment on ANYTHING. Paid off the 2 loans I ever took out well before they were due, and paid {$220000.00} in cash for my Winter home in NV. XXXX saw my credit rating slide precipitously by nearly 100 points. I found out the reason - Capital One, with whom I have 2 credit cards said I exceeded 2/3rds of my available credit limit within a 2 month period on one of my cards. ONE HUNDRED POINTS! Nowhere is this " rule '' noted, and nobody knows about it with whom I've come into contact! To add insult to injury, when I requested a raise in my credit limit to make sure nothing like this happened ever again, they declined, even though it is entirely their fault that my credit rating took a nose dive! 

So, after a LIFETIME of EXCELLENT CREDIT, these vultures destroyed my credit rating in one fell swoop! The reporting agencies sent me paid reports that didn't indicate this whatsoever! Because they answer to no one, they have no  need to be helpful or even cordial. Now my credit score is creeping up by 2 to 5 points per cycle - I'll be long gone before the score even approaches what it had been. 

Where is the justice in this, and what can you do for me?