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

I hope this message finds you in good health and high spirits. I am writing to express my deep concern and frustration regarding the ongoing credit reporting issues I have been facing since purchasing my XXXX XXXX XXXXXXXX from XXXX XXXX in XXXX of this year. 

To provide some context, I financed the vehicle through Flagship Credit Acceptance. Despite consistently making timely payments, there has been no record of these payments on my credit report. Surprisingly, neither my personal credit report nor that of my co-signer reflects the existence of the vehicle. This discrepancy has raised serious doubts about the accuracy of my credit history, resulting in significant stress and uncertainty.

I have made numerous calls to Flagship Credit Acceptance in an attempt to address this matter. Although I do not have the exact dates of these calls, I want to assure you that I have diligently followed up on this issue. During one of my conversations with a customer service representative, I was informed that a form needed to be submitted to their credit department, and the resolution process would take approximately one month. However, it has been well over a month and a half since then, and no progress has been made towards resolving this issue.

Furthermore, I have encountered persistent technical difficulties when trying to access my account on Flagship Credit Acceptance 's website. After purchasing a new phone, I experienced trouble logging in. Despite multiple attempts to reset my password using the provided link, I have been unable to regain access. I have reached out to customer service several times to address this issue, but unfortunately, the problem remains unresolved.

I believe it is crucial to bring to your attention that my concerns are not isolated incidents. Many other individuals have experienced similar challenges with Flagship Credit Acceptance. It is my hope that you will take my situation seriously and work towards a prompt and satisfactory resolution. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain items from my credit report that are the result of identity theft. I have identified multiple accounts and inquiries that I did not apply for, and I am seeking to have these fraudulent entries deleted to ensure that my credit report accurately reflects my true credit history. 

I have reported the identity theft to the Federal Trade Commission ( FTC ) and have attached a copy of my FTC Identity Theft Report as proof of the fraud. Additionally, I have included a Word document listing the specific items that I believe should be removed.

Under Section 605B of the Fair Credit Reporting Act, I request that these fraudulent accounts and inquiries be blocked from my credit report as soon as possible. This will help prevent further damage to my credit profile and ensure that only accurate, legitimate information remains. 

Please confirm the removal of these items from my credit report at your earliest convenience. Should you require any further documentation or information from me, please do not hesitate to reach out. 

Thank you for your attention to this matter
Product: Mortgage

I closed on a new home purchase in XX/XX/2022. The mortgage was through XXXX XXXX  ( the mortgage lending arm of XXXX XXXX ). The closing occurred successfully however my mortgage was subsequently transferred to Regions Bank. 
Regions Bank debited my checking account for my first month 's mortgage payment due XX/XX/2022. I then assumed auto-pay was successfully set up. 
In XXXX Regions called my on my cell phone and indicated my mortgage payments were delinquent two months. As it turns out, Regions Bank did not correctly set-up my auto pay -- nor however did they contact me for 2 months. I received no emails, no texts and no voicemails indicating there was a problem with my payment. I then received a notice from Regions Bank that they told a credit bureau about a late payment. 
The payment issue was solely due to Regions Bank. I had full funds available for the expected debit of my account. Further, Regions Bank failed to contact me immediately after the payment date. I was not notified until over 2 months after the payment was due! I have never missed a mortgage payment in over 19 years of payments and always had good communication with my mortgage lender ( XXXX XXXX XXXX  ) prior to this experience with Regions Bank. I find their conduct in mortgage servicing to be completely unacceptable. Why wait for 2 months before even attempting to contact me? Why not send a letter, text or email?
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Arizona XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally lodge a complaint against Chime for the abrupt and unwarranted closure of my account. The details of the incident are as follows : On XX/XX/2024, while I was interacting with my dog at home, I noticed that my Chime account was inexplicably closed. There was no prior notice, warning, or reasonable explanation provided by Chime for this action. This sudden closure has caused significant inconvenience and financial distress, as I rely on my Chime account for managing my daily expenses and financial transactions. 

I attempted to contact Chime 's customer support to seek clarification and resolution regarding the closure of my account. However, their response was inadequate and did not address the underlying issue or provide a satisfactory explanation for their actions. The closure of my account appears to be arbitrary and without just cause, which raises concerns about the fairness and transparency of Chime 's practices. 

I kindly request the CFPB to investigate this matter thoroughly and ensure that Chime provides a clear and valid reason for the closure of my account. Additionally, I seek assistance in reinstating my account or facilitating the transfer of my funds to an alternative financial institution without further delay. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to protect consumers from such arbitrary actions by financial institutions and ensure that my issue is resolved promptly. 

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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will 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. XXXX XXXX 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: Debt collection

I have been contacting Experian since XXXX about the listing they are reporting on my credit report being a direct result of identity theft and they have not helped me resolve the matter. I received a letter from the Illinois Department of Revenue notifying me that my personal information was exposed in a data breach, after this incident unknown identity thieves opened several accounts in my name. I notified Experian about this, I made a police report, I contacted the Federal Trade Commission and they suggested I fill out an FTC Affidavit and contact Experian again. I did contact Experain a second time on XXXX but Experian did not help resolve the matter and I contacted Experian again on XXXX but Experian asked me to send them proof of my identity and any documentation supporting my claim of identity theft. I have been sending Experian notarized documents, drivers license, police reports, FTC reports and all other necessary documentation for them to identify me and see that I am a victim of identity theft but Experian has not helped resolve this matter. It seems that Experian is wilfully neglecting my rights as a consumer. I have now consulted with a consumer rights lawyer and he advised me to contact Experian once more providing them with the information they have requested. I have done that now and I hope to have this matter resolved promptly. This is the account that needs to be deleted XXXX {$5300.00} Date opened XX/XX/year> XXXX
Product: Mortgage

I requested a pandemic forbearance which ended on XX/XX/XXXX. Before ending, I started contacting XXXX XXXX to find out what my options were after the period was over. I was told every time that, they could not say anything until early XXXX. during the forbearance period, XXXX XXXX, did not cancel the foreclosure sale date, however, it extended every month, and it was scheduled for XX/XX/XXXX. 

when I called XXXX XXXX on or about XX/XX/XXXX, I was told that I should apply for loan modification. when I went online to file my application, there was a note stating that, XXXX XXXX had everything it needed to make a decision. A few days later, on XX/XX/XXXX, they denied my modification or my request to resume the regular payments. They told me that the only option was to pay the entire past due amount of {$480000.00} or the house would sell in auction. I was monitoring the trustee sale scheduled for XX/XX/XXXX every day, one day when I checked, there was no sale date, I called the trustee 's office and was told that the sale was canceled. 

A few days later, on XX/XX/XXXX, someone from XXXX XXXX called me and stated that I had over {>= $1,000,000} equity in the house, and I should just go online and apply again for loss mitigation, I did. I just received another denial stating that my request was denied. I called XXXX XXXX and was told that it was either pay the whole amount or sale in auction which could be scheduled soon, she said that there was a hold but that hold could be lifted any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 sent dispute letter to Experian for erroneous item on my credit report that is not on XXXX  or XXXX. They responded back verified. I then sent a 611 letter XX/XX/2020 in which they responded back " not able to honor my request. '' XX/XX/2020 sent a letter exercising my FCRA section 611 ( a ) ( 6 ) ( B ) ( iii ) ( 7 ) rights. Experian violated my consumer rights by not providing the proper requested documents I am entitled to by law. Experian sent an email stating to call to get dispute results they were not available online & the updated results were blank & no change to my report. I was told my Experian Rep XXXX XXXX XXXX on XX/XX/2020 at XXXX XXXX  EST that they do not have to provide method of verification. She also said they got the info from the courthouse which I know is false because in the 1st verified letter they sent to me they stated account was verified by XXXX  XXXX. They need to be help accountable to violation FCRA laws. This is illegal & as a consumer my rights have been violated. They need to delete off my credit report immediately. Each time I file a complaint they respond they can't verify my identity. I have attached my ID and supporting docs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XX/XX/year> Subject : Final Request for Removal of Inaccurate Collection/ Chargeoff Accounts XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO OPEN ACCOUNTS. I DID NOT APPROVE ANYONE TO PULL MY CREDIT.

To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection/ charge-off accounts listed on my credit report under the account. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

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

I have been trying to buy a home so today XX/XX/19 I got my credit ran to see how much I qualified for, however, I was told that I was not eligible for any kind of loan because there were accounts reflecting badly on my credit report. I went through my credit report and none of those accounts are mine. I didn't open any of those accounts and I have never opened any type of account with any of those companies. I'm not sure who these accounts belong to or who could have got a hold of my personal information to open accounts in my name without my permission ; I have already gone to file a police report regarding these unauthorized accounts. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I participate in any transactions or payments that were made towards these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have been a victim of identity theft and promptly reported the incident. It is crucial to address this matter promptly, as it has adversely affected both my financial well-being and personal reputation. 

I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Money transfer, virtual currency, or money service

I am very disappointed in the fact I was never made aware of my information being vulnerable to other consumers and customer service not being able to retrieve my money that was sent to a incorrect account this is very unprofessional and distasteful
Product: Credit reporting

About three weeks ago I had requested a copy of my consumer report from Lexis Nexis. I had to print out the request and mail it in. I actually mailed the application for my consumer report in via certified mail. Now almost two weeks ago I received the certified postcard back stating that it was received by Lexis Nexis and as of today XXXX/XXXX/2015 I have yet to receive the report. I am very determined to get the report and to dispute the information that is furnished on the report because I have declined employment and apartments due to information that has been pulled from LExis Nexis which I know is wrong. I am the victim of Identity theft and I am trying to clear my name and it is extremely hard when these CRA 's are withholding information from you. I have every right to see what is being collected on me from your company and it is my right to dispute the information. I also want to put a security freeze on the report for security purposes because what they have listed is detrimental to my livelihood right now.
Product: Debt collection

On XXXX XXXX first request On XX/XX/year> second request for validation and verification of this alleged debt bearing my original signature and my agreement to pay Zion Debt Holding they have not provided me with any proof of this alleged debt and have not removed it from my file as per USC 1681 ( n ) title 12ss 5531 After I asked them to only contact me by mail they continue to text me. They are in violation and I need help resolving this matter.
Product: Credit card

Bank of America sent me a credit card offer in the mail, offering XXXX XXXX miles as a credit card sign up bonus. I applied for and was approved for the card, made the minimum spend, and was told I would only get XXXX miles, as I was not approved for the offer they solicited, but got a lesser account. I called and was told that this was in the fine print, as my credit was not good enough. My credit score was XXXX at the time I applied, which means that my credit was excellent, and in the upper half of all applicants. This is a bait and switch. I called BoA to ask them to credit me the full miles as promised, and they refused, saying it was in fine print on the XXXX paragraph on page XXXX of the offer. Nowhere on the main offer do they suggest that this offer is only for the top 20 % of applicants. This is dishonest and deceptive marketing.
Product: Credit reporting or other personal consumer reports

I have contacted the companies more than XXXX times by phone more than XXXX  times by letter and I cant even get my OWN XXXX XXXX without paying for it..WHY?
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

I have been unable to obtain my credit report from Experian after 6 requests, supplying the complete identity documentation required. I have sent letters with all the required information five times to Experian by mail ( letters dated XXXX, XXXX, XXXX, XXXX, and XXXX ) ; Each time i have received the same form letter back stating that they either do not have record of my credit file or I have not provided the required documentation- which i have done each time. 

The last request via the phone was on XXXX, with the Dispute/mixed records department XXXX who acknowledged that Experian had received my prior requests with the required documentation- and they can not locate my file. They said they would conduct an investigation and fix the mixed file issue that exists, and then send me my credit report. Instead, i received the SAME form letter as above, dated XXXX, with no other specific informationm WITHOUT my credit report. 

I have been requesting my credit report since XXXX through today, a total of SIX times, without receiving it. I am unable to obtain any credit due to this issue.
Product: Money transfer, virtual currency, or money service

An in the past, I have interacted with an account named " XXXX XXXX. '' I have sent payments to and received payments from that persons account. Currently I am in legal proceedings and need to provide documents showing said transactions. Unfortunately, their name has been retroactively changed on all my bank statements to " XXXX XXXX. '' Therefore, due to cash apps loose record keeping policies, and the fact they have been made aware of this error and continue to not provide the original receipts of those transactions, and allow this account to continue its fraudulent behaviors, they are complicit. I requested cash app to send me the original receipts of the transactions before the name change but have not received them.
Product: Checking or savings account

XX/XX/2019 deposit for XXXX $ XX/XX/2019 debit for XXXX $ XX/XX/2019 Debit for {$1600.00} returned XX/XX/2019 {$36.00} NSF fee accessed Institution refuses to credit nsf fee / merchant is also charging {$25.00} retuned item. In this case the bank states if I were to have taken the deposit to institution vs. submitting to the institution mobile the item would have been honored. Due to the posting order of items and the positive balance reflected on my account I had no way to predict or protect myself from the fees. This institution is notorious for inconsistency and ill compassion. Previous fee credits were bank errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has an incorrect claim on my credit report And has deducted XXXX points from my credit score. I never received any treatment or XXXX  at XXXX XXXX XXXX. I am a female and not a male. When I called ic Systems, the collection agency for this account, they claimed it was for a XXXX  XXXX ( XXXX  ) and the patients name is XXXX XXXX XXXX. This is not my name or gender. I have filed a case with the FTC and law enforcement about this charges yesterday because XXXX  has deducted XXXX points from my credit score also. Please remove this charges from my credit report. I am a good citizen that has always paid all my bills on time. This is so unfair to me and a nightmare. I used to be married to a XXXX XXXX XXXX and had a brother in-law with similar initials. I divorced XXXX over 3 years ago and moved from that address in 2017. Please fix this because its giving me nightmares. XXXX XXXX XXXX is not a variation of my name but the credit reporting agencies have added that name to my account.
Product: Debt collection

On XX/XX/XXXX I received a lettter for a bill through a collection agency from XXXX XXXX XXXX in the amount that I do not owe. I called the representative from the agency on XX/XX/XXXX to dispute the charges. However, I did not get any help.