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

I established my second auto lease with Ally in XXXX, expiring this year. When the expiration date was approaching, I called to see what the buy out amount was ( {$26000.00} ) and about what they offered for lease extensions. They said I could have a 3 month extension or a 6 month extension. I asked how the program went. They said the first extension would be 3 months, then when that was about to expire, to call back and get an additional 3 month extension, for a total of 6 months. I said, ok, let me call you back. I called back again on XX/XX/XXXX with a new representative, and they confirmed the same information. I proceeded with the request for the first 3 month extension due to extenuating financial constraints I'm currently experiencing, filled out the paperwork, sent it in and the extension was granted. I had to pay additional fees on top of the regular monthly lease amount, which was just fine. When the end of the 3 month extension was approaching, I called on XX/XX/XXXX for the additional 3 month extension for a total of 6 months and they immediately denied me. I advised them that I was returning to get just the final 3 months for the total of 6 months, and they said that 6 month extensions didn't exist. I advised them again that it indeed existed and they said they would submit for approval. I received a denial letter saying that the program was not offered. Which is a lie, misleading and unfair when they told me it was available and I followed their direction. I contacted them again and reminded them that not only was it offered and available, that I was told by multiple representative that it was. They then said that I needed to wait until the loan expired and essentially went into default, and I could ask for an additional 3 months. I told them that was insane, I have excellent credit and I was not about to allow my credit to be injured by allowing my loan to go into default to be granted the additional 3 month extension. They said that they would submit it again for supervisor approval. The request was submitted again on XX/XX/XXXX and I was again denied, with the response that I didn't have a qualifying reason for an extension. I have an excellent credit rating, I have not only paid the existing lease and initial 3 month extension in full, I paid it in advance, and I have had multiple loans with Ally over the years. Yet they denied me saying that I didn't have a qualifying reason when I'm experiencing an economic hardship? That is prejudice and I told them I would file a complaint. They didn't care. Multiple reps hung up on me when I brought it up. I called again to find out what the buyout was now that an additional 3 months of payments ( and overhead fees ) were made totaling over {$850.00}, and they said the buyout quoted now in XX/XX/XXXX was EXACTLY the same as the buyout quoted in XX/XX/XXXX, to the very XXXX. How is it possible that every XXXX  paid for the last 3 months turned into 100 % profit on the loan and not XXXX XXXX was applied to the loan buyout value? In addition to being denied an extension that they proposed to me 3 months ago, while I'm struggling with an economic crisis?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have relentlessly tried to fix this issue and for some Ive yet to get a response another response is that theyre unable to find an account for me due to recently obtaining a SSN etc.

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 15USC 1681. 

XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX List of above accounts 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. 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 reporting or other personal consumer reports

I am writing to formally request the removal and blocking of all fraudulent accounts and inquiries listed below, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a recent victim of a data breach, I am exercising my rights to ensure that any accounts established or inquiries made without my authorization are removed from my credit report. 
The following inquiries are unauthorized and were made fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Product: Credit reporting or other personal consumer reports

The closed accounts on my credit report does not belong to me the addresses are not mailing addresses for me. The list of accounts that does not have up to date addresses shall be removed are, XXXX XXXXdate open XX/XX/XXXX XXXXXXXX XXXX XXXXdate open XX/XX/XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX XXXX opened - XX/XX/XXXX XXXX
Product: Mortgage

I have repeatedly asked Amerifirst Mortgage to refinance our loan.

I've gotten many excuses. 
How can we get help for a lower monthly payment? 
I've been working on this since XX/XX/2019.
Product: Debt collection

On XX/XX/22 I paid the {$110.00} balance on my Ann Taylor account by check payable to Ann Taylor. On XX/XX/22 I received a past due notice. I called and was told my payment had been credited by Comenity Bank to my J Crew account, not my Ann Taylor account. Comenity repeatedly offered a refund that I could use to re-pay the original Ann Taylor balance, but I was told that if I took it I would be liable for penalties and interest. Instead, I filed a dispute which was acknowledged by Comenity by letter of XX/XX/22. This process was repeated on XX/XX/22 and XX/XX/22. On XX/XX/22, I received a refund from Comenity without explanation. I called and was disconnected. I emailed and received no response. After a week of silence, I emailed again and said I would replace the original payment but I would not pay the erroneously charged penalties and interest and would file this complaint. I then received a response that Comenity was researching my dispute and I could expect no resolution for 90 days. I expressed concern that the refund they sent was inconsistent with the dispute I filed and appeared to put me in a position to be liable for penalties and interest. My concerns have not been addressed.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 602, I am entitled to request the disclosure of my credit report from your agency. I would like to know the source of the information being reported, particularly concerning [ specific account or information in question ], as I believe this information is inaccurate or incomplete.

: According to 15 U.S.C. 604 ( a ) ( 2 ), I have the right to dispute information that I believe is erroneous. The item ( s ) I wish to dispute includes [ briefly describe the specific items you believe are inaccurate ]. I request that you initiate an investigation into this matter as required by law and provide me with your findings accordingly.

Under 15 U.S.C. 1666b ( a ), I am also protected against unfair billing practices. If this account is being reported inaccurately, it may violate the provisions of this section and could potentially harm my credit standing. I kindly ask that you ensure that your records reflect the most accurate and current information regarding my financial history.
Product: Credit card or prepaid card

I opened case # XXXX which you closed without resolution of the problem. Chase opened this credit card without following the 7 year fraud alert on each of the 3 credit reporting agencies. There are explicit instructions that I must be contacted at the phone number listed on the 3 credit reporting agencies. Chase never contacted me and opened the credit card in question ignoring the 7 year fraud alert instructions. I have repeatedly called Chase fraud department for an explanation and they have none. I want them held responsible for this irresponsible action which could have resulted in serious consequences to me had I not acted quickly to close the account. Chase did correct the fraudulent credit card with the credit reporting agencies but this is much more serious. Why would the case be closed when this serious issue was not addressed by CFPB? This activity by Chase should be made available to consumers. In the letter to me from Chase dated XX/XX/2017 the address card number ending in XXXX which was NEVER questioned in my original complaint. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute an account listed on my credit report, which I reviewed on XX/XX/XXXX. This account, reported under XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX Account # XXXX, is not recognized by me and contains inaccurate information. Additionally, I previously reported an instance of identity theft, which may be related to this issue. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information reported. As this account is both unfamiliar and inaccurate, I respectfully request that it be investigated and deleted from my credit file. 

To assist in the investigation, I am prepared to provide documentation supporting my claim. Please inform me if additional information is needed. I trust that you will address this matter promptly and in compliance with FCRA guidelines. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that this account has been removed. 

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX USC 1681 section 604 a section 2 states that " In general Subject to subsection ( 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 the financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, Experian, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I used to have XXXX XXXX XXXX  and making payments on time with third party on payment plan. I start notice experian put late payments on my credit which I tried to dispute 3 time. But thet didn't investigate properly. Then I called XXXX and third-party to see if they report anything everytime amex and other party said they didn't report anything. But experian just keep posting on my account. 
Aa well my XXXX XXXX loan i am on all payments never late same file dispute but experian still didn't work on it.
Product: Student loan

I was enrolled at XXXX XXXX college in 2011 for XXXX. I took out a private loan with genesis and want to know if my loan was covered by the settlement that was reached that would force genesis to repay the loans?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided you all document of the illegality Of this account. 
Federal Trade Commission Report, Identity Theft Victims Complaint Affidavit IRS Identity theft report, XXXX County Sheriff 's Report, XXXX Police Report and XXXX REFUSE TO REMOVED THIS FRAUDELENT AND Illegal ACCOUNT FROM MY REPORT I have provided all document to DISCOVER FINANCIAL SERVICES # XXXX Of the Illegality of this account and they refused to removed from my record in my credit report
Product: Mortgage

PHH Mortgage Services/ XXXX XXXX XXXX XXXX To whom it may concern, Upon running title on XXXX XXXX XXXX XXXX XXXX NY XXXX it has been brought to my attention that XXXX XXXX XXXX PHH Mortgage Services has never had ownership or assignment of the current Mortgage or Note on this property in XXXX  XXXX name and has been collecting and servicing this loan. 

I also have ownership on this property, XXXX XXXX Attached is XXXX XXXX legal guardians authorization as well as title search for me to discuss this issue with your legal department ASAP. XXXX XXXX. 

Attached please find title search reflecting this fact.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on credit reports that I do not recognize.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of XXXX XXXX. 

Please review the attached letter. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  illegally and incorrectly reported a payment as late and their representatives refused to offer any solutions as required and required under the terms of The Cares Act. Not only has XXXX XXXX XXXX repetitively displayed miss conduct and unethical behavior, they have also refused to respond to a letter I forwarded requesting assistance and couldn't provide adequate notice and/or a reason as to why I was not notified of a late payment. 

Furthermore, records show that during the transition from Everette Financial ( Supreme Lending ) to XXXX XXXX XXXX, proper documentation was lost that included details of my home owners insurance with XXXX to lapse. 

Under the Fair Credit Reporting Act, a person can receive a copy of a call if the individual requested the conversation is in a lawsuit against the business.
Product: Money transfer, virtual currency, or money service

Dear Cash App Support Team, I am writing to formally complain about the handling of my Cash App account, which has caused me significant inconvenience and financial distress. 
On XX/XX/2024, my XXXX XXXX XXXX phone was stolen, and I promptly filed a police report. Subsequently, I noticed unauthorized transactions on my Cash App debit card while I was out of town. I contacted Cash App support in XX/XX/2024 to dispute these transactions, but my account was closed, and I was informed that disputes could not be processed due to the account closure. 
Despite my repeated requests to send documentation through the mail, I received no response. Instead, I was informed that my disputes would be paused until I verified my identity. However, several disputes were processed and denied without verification, leading to a negative balance on my account. 
To process any disputes on the cash app on the phone, it asks to verify identity to process a dispute which I already have, several times. There is a total of 81 unauthorized transactions for a total of {$2600.00} I trust that Cash App values its customers and will address this matter promptly. I look forward to your swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below was the account that is still reporting on my account : XXXX XXXX-XXXX-Balance : {$430.00}
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX  XXXX Balance : {$2300.00}.