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

I signed for a lease on XX/XX/XXXX. My lease payments were {$440.00}. Lease payments were due on XXXX of every month, and I have paid a total of {$15000.00}. This was a 36 month lease. As of today, XX/XX/XXXX I have an outstanding balance of XXXX. All of my payments were paid on time, each month, without interruption. XXXX XXXXXXXX Score is in the 800 's. 

I called Ally on XX/XX/XXXX, to find out how to go about extending my lease for either 3 or 6 months. The customer service representative said it is very simple, Ally would send out paperwork to extend the lease at the current lease monthly payments of {$44000.00} and there would be no additional fees associated with extending the lease. 

Fast forward to XX/XX/XXXX, I called to extend the lease and obtain the paperwork and the operator I spoke with then quoted me a monthly payment of {$750.00} each per month for a total of {$2200.00} for three months of extension. 

On XX/XX/XXXX I went into the dealership where I leased the vehicle at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my salesperson asked around to his colleagues and stated they have not heard that Ally changed their process of lease extension. If they did change their terms of extending leases at a much higher rate, it was never communicated to the dealership nor the lessee. 

I called Ally back on XX/XX/XXXX and elevated the call to a Supervisor/Manager named XXXX who could not and would not provide me any explanation why the monthly payment drastically went up, almost doubling to extend the lease? Ally was not able to explain the increase and could not provide any financials to me giving me a rhyme or a reason to justify the higher monthly lease payments. 

XXXX promptly ended the call with me as he could not explain anything to me. XXXX simply said it's all in the computer and that is the way it works. 

What kind of company is allowed to operate in such a usury manner of charging almost double the monthly lease payment and offers absolutely no explanation as to why they are operating in the manner that they are? 

I do not feel this is ethical and I ask where is Ally 's integrity? A very poor way to conduct business and this type of nonsense should stop dead in its tracks. 

Thank you for listening.
Product: Checking or savings account

I had a re-occurring payment thru my Chase XXXX account that was set up to end on XX/XX/XXXX for {$1500.00}. On XX/XX/XXXX, a payment was disbursed to recipient for what I believe to be in error as I had set to end on XX/XX/XXXX. Rather than providing me proof that I had set it up incorrectly ( which I would have accepted, despite being frustrated ), they gave me the runaround thru multiple department including Claims ( which would not help me unless it was fraudulent and a group that is suppose to research the case ). On XX/XX/XXXX, it was not that there was a severe XXXX transmission issue that affected many accounts for double payments and could have also impacted by re-occurring because it saw that there was a payment made correctly on XX/XX/XXXX. In total, I spent close to 10 hours with various bank personnel at my local branch and mainly over the phone and never got proper closure outside of they could not help me and I need to contact the recipient. I understand the bank also tried and both of us received no response. I feel that the bank should be able to produce a document showing me that I had set something up incorrectly ... .instead, just denial with no explanation on why.
Product: Credit reporting or other personal consumer reports

there are multiple disputes in the credit report that are a result of idenity theft and not mine. however, the dispute for Metro collections for XXXX is just outright wrong. i was protected by the violence against womens act and moved into a new apartment because of a court ordered restraining order : i sent all of those documents to XXXX XXXX, yet i got a response from them stating inaccurate information, that violated privacy laws. I believe this is all stemming from source of income discrimination and that this company has violated my rights under VAWA regulations. XXXX is allowing this discrimination to continue like there eyes are closed to the reality of the situation because they did not investigate properly. Violating both colorado anti discrimination laws as well as the fair credit reporting act.
Product: Checking or savings account

I was instructed to open a bank account to access my funds. I did as instructed and Key Bank refused to issue my funds. I have also had the same issue with other banks that i have accounts with. XXXX XXXX, Bank XXXX XXXX, XXXX, XXXX, and Key Bank. They claim that the bank is the XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their continued failure to remove fraudulent accounts and inaccurate personal information from my credit report, despite multiple disputes and submission of proper documentation. Experian has ignored my repeated requests, sent stall letters with baseless claims, and refused to take appropriate action, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts, resulting from identity theft, remain on my credit report : XXXX XXXX, XXXX. Account Number : XXXX XXXX XXXX  Account Number : XXXX Additionally, the fraudulent addresses associated with these accounts that remain on my report are : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX have submitted all required documentation, including government-issued identification, to prove that these accounts and addresses are fraudulent. Despite this, Experian has sent stall letters claiming : That my disputes were in error. 
That the disputes were not made by me. 
That the accounts and addresses could not be blocked or removed. 
XXXX refusal to investigate properly, along with their failure to notify or resolve these disputes, violates several provisions of the FCRA, including : FCRA Section 611, which requires credit reporting agencies to conduct thorough and reasonable investigations of disputes and remove unverifiable or inaccurate information.

FCRA Section 605B, which mandates the blocking of information resulting from identity theft upon receipt of proper documentation.

Their failure to act has caused significant harm to my creditworthiness, delayed my ability to resolve identity theft issues, and created undue financial and emotional distress.
Product: Debt collection

Saying that I owe them for cable service in XX/XX/2013 when I didnt have cable in XX/XX/2013.
Product: Bank account or service

I signed up for a XXXX account in XXXX with a XXXX XXXX miles offer attached to the account. I met all of the requirements in order to receive the miles in XXXX, and also contacted Citibank through secured messages, calls and live chat to ensure that I was qualified and would receive the miles. All of the representatives confirmed that I met all of the requirements and the bonus would be posted in XXXX at the latest. However, I did not receive my bonus and decided to contact Citi. Citibank refused to honor this promotion by saying that I was not targeted for the promotion. This behavior is unacceptable as all of the representatives at Citi told me that I met all requirements and should get my miles. If I was not targeted, they should not have told me so. They delayed the time the bonus got posted and then refused to honor it in order to charge monthly fees on my account.
Product: Mortgage

Mortgage Company : Better.com ( Better Mortgage Corporation ) I was told that I could shop for my own Title Company but then when I asked to use someone of my choice, I was told I would have to pay them a fee.

Now they are having me use their preferred Title Company who is charging way more than the Florida statutory rate for title insurance. Earlier in the process they also misrepresented the amount of lender credits I would get when switched loan amounts ( I was told the amount in the original loan estimate would transfer but then only some of them did and they refused to change it, but it was only like {$100.00} so I let it slide ). 

I've had multiple back and formats with them about both of these. 

The most concerning is the title insurance one, as it may be around {$700.00} difference. I was told ~3 weeks ago that I would have the option to select a title company at closing. When I spoke with their Closing Expert on XX/XX/XXXX, I was told it was too late to switch title companies. Upon me insisting, I was told I could only use a different title service company if I paid Better a fee to extend my mortgage period, and that Better had already started the process with their title company who I had not selected. 

I've tried to have them do something about this but they keep plowing ahead.
Product: Credit reporting or other personal consumer reports

FRAUDULENT LOAN WAS TAKEN OUT IN MY NAME DO TO IDENTITY THEFT THE THIEF USED MY BANK ACCOUNT AND IDENTITY
Product: Debt collection

I lived at the XXXX apartments from XXXX. In XXXX of XXXX I was advised by XXXX XXXX ( manager ) that the unit I was renting would be renovated and that I would have to move. In an effort to assist with relocation I was told You dont have to pay the rent for XXXX, save your money to move. It is outlined in the notice. 

I moved from the property on XXXX. I did not become aware of the debt being reported to my credit until XXXX. At which time I took the following steps. 

XX/XX/XXXX I sent my initial email to XXXX  and telephone calls ( no response ) XX/XX/XXXX During a follow up call to XXXX  I was told to speak to XXXX XXXX XX/XX/XXXX XXXX XXXX said he would send me a moveout statement ( per my request ) XX/XX/XXXX Followed up on my request for moveout statement. 

XX/XX/XXXX Spoke with XXXX who said he would be contacting XXXX with next steps XX/XX/XXXX XXXX outreached in an attempt to collect the debt. I explained the situation and was told they would contact XXXX  to confirm the amount is error XX/XX/XXXX XXXX said that they had not heard any response from XXXX or any associates from XXXX  I have sent a certified verification of debt with my 60 day notice as well as text messages between XXXX ( manager ) and myself to XXXX and XXXX XXXX. I received a response from XXXX with a copy of my lease and move-out statement. They refuse to acknowledge any of the proof that shows the debt is being reported in error. 

There were numerous attempts to contact XXXX thereafter with no response. Upon reviewing the ledger I am being charged for XXXX Rent : XXXX + late fee XXXX XXXX Rent XXXX + late fee XXXX These charges are wrong and I have exhausted all possible remedies with the collection company and original company XXXX XXXX.
Product: Checking or savings account

On Friday, XX/XX/2023 I went to my local bank branch ( Bank of America ) to deposit my paycheck from my employer in the amount of {$2500.00} ( get paid every two weeks ). 

Before the teller deposited my check, I asked her to scan it to inform me if there would be any type of hold placed on the funds. She advised me that the following day ( Saturday, XX/XX/2023 ) I would have access to {$220.00} of the funds and that the remaining balance would be available on Tuesday, XX/XX/2023 by XXXX ( as shown on my deposit Client Receipt ). 

The following morning, I received an email from B of A stating that the check would be held until XXXX on Tuesday, XX/XX/2023, citing that check specific information indicated that the item may be returned unpaid. 

The following Monday, I spoke with my employers accountant and was reassured that all Bank of America needed to do was to call XXXX XXXX  to verify the funds and call them to verify that I am one of many, many employees who gets paid with the same business checks without any issues. 

I attempted on three different occasions to get help from Bank of America. Once, by speaking to a customer service representative via their XXXX-customer service number. My second attempt was by going to the branch and speaking with a banker, and my third attempt was by speaking with the branch manager ( XXXX XXXX ( XXXX ) XXXX ) whom I made an appointment to speak with the next day. Each time I was told that there was nothing that could be done and that I would have to wait until XX/XX/2023, XXXX. 

I pleaded with them each time that I had utility bills due, my family and I needed groceries, and I needed fuel for my vehicle so that I could get to work. I explained to them that I was living on a very tight budget. 

With todays technology and the ability to make quick phone calls, it is disheartening that my paycheck funds are being held hostage for the sake of bank policies and procedures that are unfair to the average consumer like me. 

The company I work for ( XXXX XXXX XXXX XXXX ) in XXXX XXXX, does not currently offer its employees direct deposit. Other than having to wait until XX/XX/2023, this was the only resolve Bank of America representatives could offer me so that I would not run into this issue in the future. Had I known from the beginning that this type of hold would be placed on my funds I would have found other means to cash my paycheck. Please help.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, company calls me everyday at around XXXX MST and has now started calling family members at XXXX MST.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing credit report Ive noticed that Experian have not removed the collection item listed on my consumer report XXXX XXXX XXXX {$3800.00} XXXX settled the case. They have agreed I don't owe them anything, they will dismiss the case against me and request any negative credit reporting be removed. Attached is the settlement agreement with both parties signature from XX/XX/2021 XXXX
Product: Credit card or prepaid card

Received an email from US Bank on XX/XX/22 at XXXX XXXX indicating that I had applied for a card ( I currently have a credit card with this company ). 

Dear XXXX, Thank you for applying for the XXXX XXXX XXXX  Card. 
Give us some time to review your application. We may contact you to verify your info or request documents. Youll certainly hear from us when weve reached a decision, which usually takes 7-10 business days. 
We appreciate your patience. Thank you for choosing U.S. Bank. 

I received another email on XX/XX/22 at XXXX XXXX from US Bank : Your card will arrive by mail in about 7 days. Be sure to activate it that will give you a total credit line of {$17000.00}.
Product: Mortgage

I have a major problem with Chase Mortgage. Their agents are calling my house at all hours of the day and night telling us to move out and give up our house because they are going to foreclose on me. At the same time, we are trying to get the Chase loss mitigation department to work with us to review for a modification but they have failed to assign an account manager or review our current financial information. We bought our home with a FHA loan and I know there are programs available for people in our situation. I dont know why Chase is purposely blocking us from these programs. We had a temporary financial setback but are back on our feet and have the ability to make a fair and affordable mortgage payment. My wife and I both work and we are going to fight to save our house. But our biggest opponent has not been our finances, it has been our mortgage lender, Chase. My wife and I purchased our home in XX/XX/XXXX and live here with our XXXX children. I have worked as an XXXX XXXX for nearly 30 years and at the time we took out this loan my wife was working full time as well. In XX/XX/XXXX we had some unexpected expenses and it was difficult to keep up with a {$3600.00} a month mortgage payment. We were able to apply for, and then get approved for a loan modification that lowered our payment and interest rate. We paid on the modification for nearly three years until my wife lost her job in XX/XX/XXXX. This caught us off guard, and I tried to rearrange finances and liquidated savings etc. but we ended up missing our mortgage payment. Within a matter of months my wife was back working and I attempted to make our regular monthly mortgage paymentthe problem was that Chase would not accept the payment, they wanted us to repay all missed payments and interest and late fees etc. and we were not able to do so. Things have snowballed from there. Despite multiple attempts to get a new review for modification assistance opened we still do not have an active review of our current financial information being conducted. We still do not have a dedicated single point of contact. We are being harassed with collection calls by rude and insensitive agents, and the Chase loss mitigation department puts us on hold and transfers us around and never attempts to resolve our issues. Since this is an FHA loan insured by the government I thought there were programs put in place for homeowners in our situation. This is an avoidable foreclosure, because we have enough income to afford a fair payment. The issue is that Chase Mortgage is attempted to obstruct access to these programs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX XXXX {$240.00} In accordance with the Fair Credit Reporting Agency , the companies listed above 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  acct # has violated my rights. 
15 USC 1681 section 602 states i have the right to privacy.

15USC 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 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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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: Debt collection

Notice : New information and updated information XX/XX/22 I CLAIM Harm by way of Trespass, FRAUD and Dishonor. 


To CEO and Chief Compliance Officer, YOU BROKE THE LAW This is in reference to the letter sent to your company via CFPB portal dated XX/XX/22 and that letter mentioned how AMSCOT violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other violations under tittle 15 consumer protection. 

In response to that letter, AMSCOT replied that Amscot is a first party creditor and not a debt collector within the meaning of the Fair Debt Collections Practices Act. 

I am requesting you stop sending me correspondence with no material facts or sufficient evidence and show proof that you have a lawful and valid claim. I am requesting that you provide valid proof or material facts or sufficient evidence that you are a first party creditor as stated in your correspondence to me dated XX/XX/22. Please note that proof should not include a consumer contract because as per the judgement in XXXX XXXX XXXX XXXX, the consumer contract is not sufficient evidence of a debt. 

I am also requesting you provide to me the audit Trail of the transaction originated by you as proof of a lawful and valid claim. 

I am attaching here with a valid proof of you being a debt collector under provisions of FDCPA. 

I am demanding AMSCOT to zero out this account and remove my nonpublic personal information from all consumer reporting agencies immediately. 

Any failure to comply with Federal Law I will escalate this matter to Federal Court. 

Thank you for your corporation XXXX XXXX, AMSCOT letter showing proof that AMSCOT is attempting to collect an alleged debt under the Provisions of the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

Many years ago I used zelle to transfer money and a large amount of money was taken from my account and I was logged out of zelle unable to see where it had gone. I could not figure out how to see the history on zelle and was unable to retrieve my money.
Product: Credit card or prepaid card

I applied online to Lowes CC. 
Their verification includes submitting my Social Security No., drivers license picture, and a current photo of myself. This was done via a link that was sent to my mobile phone. 
I had a problem with how to continue after the above verification and a Lowes customer representative connected me with the CC issuer who just informed me that I was denied. 
I received an email with a letter from Synchrony Bank dated XX/XX/2023 ( Ref XXXX ) that I was denied since they could not confirm my identity. 
My license was renewed last year, so my current picture is still the same, the Synchrony Bank customer representative on the phone never asked me any identifying questions before informing me that I was denied. 
Additionally, I currently have 3 IRA CDs with Synchrony Bank, It looks like the denial was based on my age and my XXXX XXXX XXXX more than any other reason.
Product: Credit reporting or other personal consumer reports

I filed personal bankruptcy XX/XX/XXXX. I have not reaffirmed any loan obligations and my case was discharged accordingly. All activity and obligations ceased and from that point forward, I had no liability as signature or co-signer to any previous outstanding balances or commitments. All creditor abided by the ruling and negative credit lines were removed and on XX/XX/XXXX except for one creditor. XXXX XXXX XXXX continues to erroneously report on Equifax that my last activity with them was a payment somewhere around XX/XX/XXXX with the intention and effect of extending their negative reporting on my credit report till XX/XX/XXXX. I find this offensive and in violation of bankruptcy law. I want to state emphatically, I have not made ANY payments to XXXX XXXX XXXX after my bankruptcy court date in XX/XX/XXXX, do not engage in any way with this company and find their denial of these facts after XXXX disputes filed thru Equifax between XXXX XX/XX/XXXX to be negligent in their adherence to US Bankruptcy Law.
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 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 XXXX XXXX XXXX Account # XXXX Date opened- XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT XXXX LETTERS TO TRANSUNION, XXXX AND XXXX. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.