23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against Ally Bank regarding their handling of my loan account. Despite my payments being up to date, including any applicable late charges that were assessed and subsequently paid in full, Ally Bank has inaccurately changed the payment status of my loan over XXXX times between XXXX and XXXX of 2022. This has resulted in significant and unwarranted damage to my credit report and score, which is extremely distressing and unfair. 

The bank has repeatedly altered the payment status of my account, fluctuating between XXXX, XXXX, and XXXX  days late, then back to XXXX  days late, without any valid reason. Such practices are not only misleading and harmful to me as a consumer but also reflect a serious lapse in Ally Bank 's responsibility and accountability in managing their customers ' loan accounts.

I demand immediate correction of my loan account status to reflect its actual current standing, which is fully up to date. Furthermore, I request that Ally Bank take immediate steps to rectify the inaccuracies reported to the credit bureaus, ensuring that my credit report is corrected to accurately reflect the true status of my loan payments.

I believe these actions by Ally Bank could be indicative of predatory lending practices, causing unnecessary financial and emotional distress to their customers. I trust that the Consumer Financial Protection Bureau will take my complaint seriously and investigate these matters promptly. It is critical to hold financial institutions accountable for their actions and ensure they adhere to fair and transparent practices.

I am prepared to provide any additional information or documentation as required to support my case. I am seeking the CFPB 's assistance to rectify this situation and prevent further harm to my financial wellbeing.

Thank you for your attention to this matter.
Product: Debt collection

PURSUANT TO THE FDCPA, THIS COMPANY CONTINUES TO VIOLATE FEDERAL LAW AND MY RIGHTS -- -OVER DEBT DISCHARGED THROUGH CHAPTER XXXX BK.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAY WERE OPENED IN MY NAME
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for the immediate removal of unauthorized hard inquiries that have been reported on my credit report. Upon reviewing my credit report, I have identified the following inquiries that were made without my knowledge or consent XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report under specific circumstances, including when the consumer has given explicit authorization for the inquiry. I hereby assert that I did not authorize any of the above-listed entities to conduct a hard inquiry on my credit report. As such, these inquiries are unauthorized and must be removed immediately.

Failure to remove these unauthorized inquiries may constitute a violation of the FCRA, and I am prepared to take further legal action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me under federal and state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name XXXX XXXX  XXXX Account Number : XXXX Amount XXXX 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 card or prepaid card

I have already filed complaint and my new emails keep getting hacked and I can not get in them, this is a mess I have a cash app account... well 2 or 3 now and I can't get into those neither I can not locate my complaint number you guys gave me but my name is XXXX XXXX I filed complaint a month ago I know. I have been without internet. Please call me at XXXX. My emails are all getting hacked it is a XXXX complaint but is very important for it may end all the hacking that's happened the past years to my accounts PLEASE CONTACT XXXX OR MY DAUGHTERS XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX. I need ur help badly and my daddy was a XXXX XXXX XXXXr in XXXX and I was convinced with agent orange but these hackers are about XXXX XXXX me as crazy as my father could be!! Please help! XXXX XXXX XXXX XXXX
Product: Debt collection

DISCOVER BANK, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX attempting to defraud XXXX XXXX XXXX by fraudulently creating a security bond without disclosure, signature nor consent. DISCOVER BANK and attorneys mailed a document postmarked and XXXX XXXX, recieved on Friday XX/XX/XXXX, and response was mailed to attorney XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX has no wet signature contract with XXXX XXXX XXXX nor XXXX XXXX XXXX, nor does XXXX XXXX XXXX agree or consent to contratct with therefore, no debt is owed.Discover bank has not produced a contract nor have they provided true original authentic accounting that XXXX XXXX standards for any accounts belonging to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I am attaching my Drivers license, my social security card and XXXX accounts which I noticed recently when checking my credit that are not mine.
Product: Debt collection

This company has called me more than XXXX times in the last XXXX  days. It has been more than this, but I had started deleting the calls for a few days before I realized I should file a complaint. I spoke with someone there last week who was going to be taking a payment off the card on file, and then they started calling XXXX times a day from different numbers. 

The voice messages are very odd. The XXXX  message is clear and concise. The messages left by real people are all over the place. One male voice said I was committing tax fraud by not paying. One message from an email from an unknown number told me to call back or I would be arrested but then didn't leave a callback number. The only reason that I figured out it was this company is she called back not even XXXX minutes later and I arranged to make a payment with her. One voicemail said I should take out a temporary loan to pay this company. Most were such poor quality that I couldn't understand them. 

I honestly thought this whole thing was a scam because I didn't recognize the name, but for the poor quality of the calls and the sheer number of them, it felt like a scam. The also are unable to provide me with my account information even after I verify. 

Date Time Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 **** Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXX XXXX XXXX Balance Owed : {$90.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I found out that the company XXXX XXXX XXXX XXXX that financed my vehicle was involved in a Class Action lawsuit with XXXX. I received a postcard staying I was included in the lawsuit and would receive but not limited to loan forgiveness, defienciency waiver, and/or monetary payment. This debt was purchased by a collection company ( Deville Asset Management ) was also sued and shut down for unfair practices in loan collections. I was sued by Deville Asset Management who used law office XXXX, XXXX, XXXX XXXX  XXXX to collect on the debt. I recently furnished the law offices all documentation showing the lawsuits and how I was part of the settlement and also Notified them that Deville Asset Management closed down, which no notification was sent to me yet they continued to collect payments from me. Now they're saying I still owe the debt and another company bought it from Deville. I haven't received any paperwork from this new collection agency and I've disputed this debt due to the judgement of the class action lawsuits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was breached, sharing important personal and financial information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$610.00} {$600.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX {$540.00} I requesting these account to be removed from all of the Credit Report agencies. XXXX XXXX is not my legal name. The accounts are listed and reports different amounts due and the number of times being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Our mortgage was transferred over to XXXX XXXX, and that is the beginning Of this issues. The mortgage company failed to apply the tax exemption by XXXX XXXX and overcharged us almost {$1000.00} a month for over a year. XXXX XXXX has reached out to the mortgage company, we have reached out every month to please stop over charging us. They have since reported it on my credit bureau and refused to talk to me on the phone and advise me to get an attorney in order to request notes from my account for further review of my mortgage and actually hung up on me.
Product: Debt collection

Indigo credit card ... I have explain to this collection agency that I am not working due to my sickness ..but they keep calling me all type of hours..I had calls come in early as XXXX to XXXX ... then when I do answer they ask for my name.and when I say this is him..I am not working they just don't say nothing.they just hang up on me..then call back in two more hours and do the same thing.i am so stressed from this people keep calling me..when I see that area code XXXX keep calling my phone I just want to jump of a roof..from this stress
Product: Debt collection

I was contacted by phone on XXXX XXXX, 2015 by RSH & Associates , LLC. I was told they had been contracted by XXXX XXXX XXXX to collect a debt. I advised them I was still working with the hospital attempting to get financial assistance and I was told they would " mark my file. '' I was continually called and began receiving mail. On XXXX XXXX, 2015, I sent a letter requesting debt validation and requested that all future communication be in writing. I continued to receive calls. After several months, I was unable to get financial assistance from the hospital, I once again requested debt validation and a settlement request from the collection agency in writing. I received neither but I did receive more phone calls. Finally on XXXX XXXX, 2015, I sent my final letter, stating that I had never received any debt verification from their company and continued to receive at minimum a weekly phone call from their office when I requested all communication be in writing. I again requested debt validation XXXX final time and even gave them an email address to send the information to. I never heard from them again until today. I pulled my credit report to find they have put a collection on it. I have been paying XXXX XXXX XXXX directly for over a year and I have copies of cancelled checks to prove that. Not once has a check been returned or made out to anyone other than XXXX XXXX XXXX. I have no idea why this collection agency is reporting to my credit when they have never verified the debt and never followed the FDCPA when I requested all communication be in writing.
Product: Credit reporting or other personal consumer reports

XXXX has XXXX fraudulent inquiries in my credit report and I want them deleted off my credit report. I did not give anyone permission to use my credit report nor check my report this is how bad XXXX is, but yet they constantly have issues with data breaches and not having the best security, remove these credit inquiries, because they are not mine and I will provide screen shots of these inquiries to show they in fact on my credit report and also XXXX account thats on my report please have removed because its fraudulent I didnt open any XXXX account
Product: Credit reporting or other personal consumer reports

My rights have been violated numerous of times. 

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

15 USC 1681 602 ( a ) states that I have a right to privacy.

15 U.S.C 1666B : states that A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose Accounts needing correction : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Despite not having any knowledge of such debt nor the correct owner of such debt, this company keeps charging me in collections for it.
Product: Debt collection

I revived a medical bill and collections letter dated over a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me 120 days late on the XXXX/XXXX   partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue.
Product: Credit reporting or other personal consumer reports

My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by me XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX Balance : {$6700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Debt collection

This company, Monterey Collections, they are a dirty company. I submitted a complaint against them around XX/XX/2016. They removed the collection which was reporting a balance of {$1000.00} and reported it as a new collection for {$1000.00} ... oh and they still have not responded to my first document I sent them. I hope the FTC nails their CEO and fines these pety low lifes back where they belong. Sad imagine who else they 're doing this to. I have never bough anything from this company ( for like literally the 11th time ). 

Monterey Collections has severely violated the FDCPA, FCRA, and the FACTA on more than 1 occasion. 

I have all the docs I just have n't uploaded them in. I do feel good though sharing with the world how this company truly is.I 'm filing other complaints directly against their CEO and staff this afternoon. 

Thank you for assisting me
Product: Mortgage

My mortgage was with a company called XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX my mortgage was transferred to Freedom Mortgage. Sometime in XXXX Freedom Mortgage informed me that I now needed to buy hurricane insurance, which was not required before. I called them and they convinced me that I had no choice in the matter. I immediately called my insurance agent and she immediately added the required hurricane insurance. Today I received a letter dated XX/XX/XXXX telling me that they received the updated wind coverage, but they are going to charge me for wind coverage from XX/XX/XXXX to XXXX/XXXX/XXXX if I don't buy or prove coverage for that time frame. It is now XX/XX/XXXX. I should not have to pay for coverage for a time that has already passed. Nobody needs coverage for the past. They are going to charge me almost {$150.00} for something that can never be used. This is not right. They have already caused me an additional {$1000.00} a year and now they are just trying to rip me off. Please help! Thank you!
Product: Checking or savings account

XX/XX/2019 Bank of America stole over {$400.00} from me this time, after assisting a shop in stealing {$540.00} AND my laptop from me with no help from the CFPB because you allowed them to simply run out the clock responding -- so thank you for that. 

I was XXXX, XXXX, and XXXX XXXXXXXX at a XXXX XXXX hotel where I paid to vacation for a few days in XXXX, XXXX. 

It was an international incident with the U.S. Embassy in XXXX XXXX with access to all photos pertaining to evidence of this series of events so please contact them directly for confirmation because this is none of you XXXX business, and only describing the evidence during a call literally traumatized a bank employee who handled this properly at ANOTHER bank I work with. 

Simply refund my money, including fees accrued as a result of BoA 's theft, with stiff penalties for BoA attempting not to process a fraud claim properly on purpose AGAIN. This bank has stolen over {$1500.00} USD from me during the last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to XXXX , XXXX and Experian. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX  XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX XXXX/XXXXt removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Dispute late payment : XX/XX/XXXX XXXX XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this account is reporting on my credit report, I don't recognize the account status, I don't recognize the account high balance nor do, I recognize the late payments associated with it everything reported here does not meet the FCRA. 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have had a debt collection on my credit report that has been removed multiple times but they continue to report again as a collection. I have not received any reinsertion letter stating this ever and this is a violation of my rights. I want this to be removed from my report permanently as they are using unlawful practices for personal gain.
Product: Mortgage

I am writing to dispute the following information in my credit file status. Loan Care Servicing Center a mortgage company reported the sale of the property as a Foreclosure which it was definitely not. It was an Agreed Settlement ( account paid in full or less than the full balance ) to prevent/avoid foreclosure. I am requesting removal of inaccurate information/description reference foreclosure in status remarks on credit report.