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

Subject : Urgent Complaint Regarding Predatory Fees, High Interest Rates, and Incomplete Loan Payoff Dear Flagship Credit Acceptance, I am writing to express my deep dissatisfaction with the services and practices of Flagship Credit Acceptance. I have encountered numerous issues that have severely impacted my financial stability and overall well-being.

Firstly, the predatory fees and excessively high interest rates imposed by Flagship Credit Acceptance are unacceptable. These practices have placed an undue financial burden on me, exacerbating my current financial hardship. 

Furthermore, despite receiving a large payment from XXXX auto insurance towards my total loss loan payoff, Flagship Credit Acceptance has failed to complete the payoff. This failure has left me in a precarious situation, unable to purchase a new car, which is essential for my daily life and work. 

Adding to my frustration, I have repeatedly reached out to your customer service for assistance and have not received timely responses. The lack of communication and responsiveness from your company is extremely concerning and unprofessional. 

Moreover, my credit report has not been updated to reflect the payment received from XXXX XXXX XXXX. This oversight has negatively impacted my credit score, further hindering my ability to secure a new vehicle and manage my financial responsibilities.

I urge Flagship Credit Acceptance to address these issues immediately. I am in urgent need of resolution to my financial hardship emergency, and I require your prompt assistance to rectify the situation. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX & XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX  XXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00}, XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

CAPITAL ONE 360/XXXX XXXX XXXX WHY DID THEY FREEZE MY ACCOUNT XXXX XXXX XXXX? WHY DID HE DEFRAUD ME? WHY ARE YOU LETTING THIS MAN COMMIT ACTS OF FELONY ON THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS IT BECAUSE I DIDN'T GO AND SIGNED MY FILE WITH THAT HIM AND HIS OTHER BANKER XXXX XXXX XXXX CEO, Chairman & Director, XXXX XXXX XXXX XXXX XXXX XXXX , Massachusetts XXXX Phone : XXXX AND XXXX XXXX CEO WHAT ARE YOU AGENCY GOING TO DO ABOUT THIS?
Product: Checking or savings account

On XX/XX/2021, I received a Bank Statement from Wells Fargo Bank, for an account I never opened. I immediately called the 800 number, and after many department switches, I was sent to what I believed was the Fraud Department. I spoke to someone in that department who gave me the following ID Theft # : XXXX. I was also told to file a report with the FTC, which I did and received a number from them, and to place a Fraud and Security freeze on the 3 credit bureaus, which I immediately did. I also decided to file a Police report with my local Police Department, which I did and received a copy of the report. 
I asked the person I talked to, to please send me confirmation of this complaint and to please close any accounts with my name on them. I thought that was all I needed to do, however... 
On XX/XX/2021, I received another bank statement, dated XX/XX/2021. I again, called the 800 number only to be told I had a wait of up to 1 hour. I found that to be unacceptable, so I decided to write a letter to Wells Fargo on XX/XX/2021 asking, again, to close this account and send me confirmation of this. I included my Police Report and FTC ID Theft report, as well as my e-mail address and phone number It is now XX/XX/2021 and I have not received anything from them as of today. The address on this account is an old address from 7 years ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX dba " XXXX '' for the first time in 3 year history failed to report monthly data after I paid my entire balance. I suspect that they are purposely trying to hamper my ability to shop for a better deal by failing to report XXXX balance. I carefully monitor my credit report and it is my opinion that they purposely withheld positive credit data in an attempt to keep me their paying exorbitant fees of {$220.00} per year : {$15.00} per month, plus and additional {$49.00} per year.
Product: Mortgage

In XXXX, 2015 We were refinancing our mortgage with Bank of America and had a mortgage commitment good until XXXX XXXX 2015. Effective XXXX, the bank transferred the loan to XXXX Bank, but disclosure Letter from BOA said " not to worry if we were in refinance process ; that it would n't effect the refinance ''. Then, On or about XXXX XXXX, when We were approx.a week from the refi closing, BOA sent notice of declining/withdrawing the loan application and cancelling the deal, saying title issues would take too long due to probate issues. There were no probate issues and the title company had cleared all title issues via affidavits etc and was prepared to close and notified the lender directly via their software upload prior to the XXXX XXXX termination letter. 
When we reached out to the BOA loan officer, he said he would straighten it all out and not to worry. He was on vaction but it would be corrected. He literally cursed his back office folks for the error and acted very upset that they had done this to us. 
Then there was little contact for many days and finally, an email apology from the loan officer that there was nothing he could do and nothing the BOA could do. Loan was with another lender and now because we had stopped making mortgage payment prior to the pending closing -- in view of the Loan Payoff letter that was to have frozen escrow and final payoff amount for the Extension/Consolidation/Modification documents, XXXX and BOA each pointing fingers and no one acknowledging or correcting their errors. 
We were told to try again next year when the loan did n't have a late payment for 12 months. 
First of all, we were still in the 60 day Period of a mortgage loan transfer that a lender ca n't penalize a borrower if payment is late. 
Second, we were in the final stages of the refinance and an erroneous title issue was being blamed for the bank to back out of a very attractive 30 year rate. The rates had risen. The Bank Of America would no doubt have incurred costs and expenses to re-establish our commitment with their investor channel or to secure the loan back from XXXX and then honor the commitment rate. So, they decided to decline the loan and disregard our rights and any concern of harm to us. Third, I am a hard working XXXX ; single mother of XXXX children, and a borrower of XXXX XXXX descent and wish assistance, as such, since I am unsure if these factors entered into to the Bank of America 's decision not to protect me and honor their commitment and rate lock. 
So, we are complaining that the Bank of America violated our rights first under the transfer of loans protection and second by cancelling our Mortgage commitment and rate lock. 
That the Loan officer failed to live up to his consumer origination obligations, Remedy : We request assistance from the CFPB to require Bank of America to honor its mortgage commitment and rate lock agreement. We request that they correct their files and allow us to close effective on or before XXXX XXXX, 2015 at the protected interest rate, along with the XXXX and all fees that would have been appropriate as of that date. 
XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SECURITYCRED ( Original Creditor : 09 XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. 

From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. 

In XXXX, I made my call to XXXX to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or XXXX, XXXX repossessed the vehicle. 

I promptly paid the repo fee as well as fees that XXXX charged XXXX for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). XXXX reported to credit agencies a repossessed vehicle. 

When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid XXXX greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, XXXX is unwilling to remove the report as a repossession in XXXX. 

I have called XXXX, wrote the credit agency with XXXX, and disputed with the bureaus. XXXX continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion well over 30 days ago to inform them of the inaccurate information they are reporting on my credit report. I have yet to be updated in any way, shape or form and I am beyond frustrated.
Product: Checking or savings account

On XX/XX/2023 I got an email that a Chime account was opened in my name. I never opened this account. When I called them, they had to verify my identity so I learned that they have my email, name, last four digits of my SSN, phone number, and birthday. I was able to successfully close my account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to lift my security freeze with myequifax website and Im getting a error message on there end and I unable to get my credit score to.. I would need have this fix ASAP. I want the freeze to be lifted thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2021 Navy Federal Credit Union chose to accept my payment extension/defferment but didn't choose to tell me that they would report a missing payment and take my 100 % payment history from me they told me they would update it back its been months I still have a missed payment
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to Fraudulent information contain in my credit file. I have reached out to the credit reporting agencies via phone and mailing address. I was told the FTC report I filed did not contain account numbers for each item listed. This is my second attempt to have Equifax clear up this matter. Every time I contact the credit reporting agencies via phone they pull up a file that does not relate to me. I have to be transferred to special handling department. Please I need help with getting this matter resolved. I understand filing a FTC report will block, delete, remove etc the items I have listed.
Product: Money transfer, virtual currency, or money service

The law states that you should have customer service at all times I'm doing this time you could barely get an email returned or a customer service to help you with anything you couldn't call customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX once again did not allow me to dispute using typing form but to call. It is inconvient and I wd prefer to use typing form to file a dispute. The XXXX lowered my score ny 19! It was Bank of America s fault and like I said before XXXX did have the access to my XXXX XXXX XXXX XXXX XXXX but they dont bother to look but reported on what bank reported. I closed the acct with Bank of America is because of their corrupted lies. I was never late! Was late for first time in XX/XX/2019 only and it was not my XXXX fault! Secondly, XXXX lowered the score just because I closed the acct. See attachments. The reason why I closed is because of BOA s corrupted lies and false info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thease accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX XXXX  Case Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

According to the Fair Debt Collection Practices Act as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 15 USC 1692e 807 : - False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt.

My mortgage servicer, Rushmore Loan Management Services LLC violated the law when in XXXX of XXXX, it issued a mortgage reinstatement quote stating the status of my loan as in active foreclosure however this was a false, deceptive, and misleading representation of the loan 's true status. 
My mortgage was never in active foreclosure. According to the state of Maryland, my state of resident where the property is located and where the mortgage loan was originated and deeded, an Order to Docket ( OTD ) is the first official filing of a foreclosure action in court. It may also be called a Complaint to Foreclose or Notice of Foreclosure Action.

Rushmore Loan Management Services LLC did not at any given time, past, present or future file any action in any court of law for a foreclosure proceeding on my property however the company issued documentation, claiming otherwise in connection with the collection of the debt.

This false and deceptive misrepresentation of the status of my loan caused undue stress, distress and XXXX  and is an aggressive and manipulative debt collection tactic that not only violates established public policy but is also unethical and unscrupulous.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE APPARENTLY TRYING TO GET SOMETHING AND USING MY SS # DUE TO THE AMOUNT OF INQUIRIES ON MY REPORTS I DID NOT AUTHORIZE THESE INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

I contacted a health care provider on XX/XX/XXXX to inquire about a debt that was passed to a Sa-Vit collection agency. The account was for a procedure for my daughter as required by the State of NJ. The amount in question is {$320.00} for a date of service of XX/XX/XXXX. The health care provider provided my information about the alleged debt and a claim number in which I contacted my health care insurance company to verify if a claim was submitted in XX/XX/XXXX. 

After speaking with my health care insurance company on XX/XX/XXXX, I was told that the health care provider billed did submit a claim but the procedure was billed under my name and not my daughters name and that was the reason why it was denied by my health insurance company. After speaking with my health insurance company on XX/XX/XXXX, they fix the problem and transferred the claim to my daughters name which is should have been billed of in the beginning and gave me a claim number in support there of. 

I called the collection agency Sa-Vit and spoke with a representative who I explained that the health care provider billed the procedure under my name and not my daughters and that's why it was denied and that my health insurance carrier transferred the claim to my daughter after finding out about the error. I was then transferred to the company 's compliance officer XXXX XXXX and explained the situation to him. Mr. XXXX became verbally abusive to me and then started speaking to me in XXXX unexpectedly. When I spoke back to him in XXXX and surprised him he refused to talk further and hung the phone on me. 

Mr. XXXX is very unprofessional and thinking he bully consumers especially by speaking in another language in which to insult someone.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the PROG MGT SYS ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX and I've got a notification from XXXX saying that I have a collection item on XX/XX/ so I contacted a collection company called " I.C. SYSTEM, INC " Also Original creditor : XXXX XXXX  immediately to determine what's going on. When I called them, They didn't supply me enough about and keep telling me that how would like to pay and what type of payment am I paying so I told that person that I want to know what kind of collection that I have and They told me you have unpaid account from XXXX XXXX so I told them I never had a XXXX XXXXXXXX before and they told me maybe a Internet provider which I've been using Spectrum internet service more than 10 years now with great account status so I would like to make an official statement with my collection item from I.C. SYSTEM, INC which is I strongly believe that this information is incorrect and does not belong to me so I am requesting to start an investigation more deeply so that I will not be a victim of identity theft or misleading information.