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

Mazda Financial has repossessed my vehicle with no court orders. This vehicle is covered under SCRA and my XXXX XXXX  bankruptcy. My first set of XXXX XXXX orders were from XX/XX/XXXX and it stated for 6 months only. I received new orders from XX/XX/XXXX to XX/XX/XXXX and still wasnt granted a lower interest rate. I have looked into the SCRA protections and it states Protection # 1 Servicemembers can reduce the interest rate on any pre-service loans to a maximum of 6 percent If you took out an automobile, home, or student loan or incurred credit card debt prior to becoming a servicemember ( also known as a pre-service obligation ), or if you took out such a loan jointly with your spouse, then you are entitled to have your interest rate reduced to a maximum of 6 percent per year. To receive this benefit you must notify your lender in writing and include a copy of your orders to XXXX XXXX XXXX  or a letter from your commanding officer that shows the date you began XXXX XXXX XXXX 
The rate reduction for pre-service obligations applies during the period of XXXX XXXX XXXX for most loans and, for mortgages, for an additional year after the end of XXXX XXXXXXXX XXXX When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on XXXX XXXX. Your lender cant add the amount of interest above XXXX percent back into the loan later on after you leave XXXX XXXX. You can request an interest rate reduction from your lender at any time while you are serving on XXXX XXXX and up to 180 days after release from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i have been a victim of identity theft since early 2017, i am XXXX XXXX XXXX and someone has been using my personal information to obtain goods and services, and using my identity as if it was me. i have submitted many times to all the credit reporting agengies and to the CFPB and seems like nothing is being resolved or no course of action is being taken seriously. this in fact is a very serious matter for me because i am living on a set income and i connot afford any type of levy or judgement to be placed on my self or reporting on my current credit report. please who ever is handling this matter in the back office i am respectfully asking to pleease take this matter seriously.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XX/XX/XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Student loan

Edfinancial has been giving me the run around regarding my student loans. On XX/XX/22, I requested that my any payment made during the pandemic be returned to me. They sent an email saying " Refunds typically take approximately 60 business days from the date of payment and will be returned to the account the payment was originally made from. '' Since then, it's been 76 business days and I haven't seen a dime. I reached out again and said that the request was never made on my account when it clearly was. They said that it will take 90 more business days. 

I just feel like I'm falling through the cracks and they have my money in their pockets.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance Fair Credit Reporting Act Us bankruptcy tn account reference number XXXX has violated my rights. 
15 U.S.C 1681section 602. A. states I have the right to privacy.

15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.
Product: Mortgage

An escrow account was set up w/o our request, approval or need. I have been current with my mortgage, principal, property taxes and property insurance. I have never had an escrow account and I do not want one. I have contacted the lender a number of times and I get a variety of stories as to why it was set up and how to resolve it, i.e. close the escrow account, but to no avail. This has been open for over a month with no resolution. The Escrow Department passes it to the Bankruptcy Department and they do not get on a call with me together to discuss. I would like this resolved ASAP. Any help you can provide would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, there are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated and corrected immediately : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX to remove a deragotary on my credit and they refuse to do so. I have even files a review with the credit agencies to no luck. please remove asap!
Product: Credit reporting

Hello I tried applying for a loan on XX/XX/2017 and when XXXX XXXX XXXX checked my credit score from equifax it appeared as my dads name.it also showed his date of birth Please get back to me
Product: Credit reporting, credit repair services, 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 XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account numberXXXX Account name XXXX XXXXXXXX XXXX XXXX  Account number:XXXX has violated my rights. Or 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

In XX/XX/2017 a delinquent balance was reported to all credit bureaus of XXXX dollars
Product: Debt collection

I received collection in my credit report. 
I have insurance with unitedhealthcare which covers 100 %. 
Before my visit they told me that the insurance will cover everything. 

After my visit to the hospital, I received the bill, I contacted the insurance many times, they did not want to fix the problem. They told me to wait. I was waiting. Then I received the collection in my account from the creditorCreditor Contact DetailsFIRSTSOURCE ADVANTAGE XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX AgencyFIRSTSOURCEamount $ XXXXCould you please let me know how to fix this issue? 

Thank youXXXX XXXX-mail XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously contacted XXXX  as well as Vance & Huffman about this account that was part of a debt buying purchase. The account was initially opened with XXXX in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to Vance & Huffman in XXXX of XXXX. I have contacted Vance. & Huffman as well as XXXX to advise them of incorrect credit reporting since Vance & Huffman is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.
Product: Checking or savings account

On XXXX/XXXX/XXXX I closed my business checking account with BBT account. I drove to XXXX XXXX. I received XXXX after it was closed in cash year checks. I now i had more money in the account then what was givn to me. i asked about my money. as was told if any other money come into my account it will be sent back. Will as of XXXX XXXX I received a letter from BBT BANK stating my account XXXX is over drawn XXXX please add money tomyour account to bring it current. I now who did it I can prove it was not me. I also told that the my money add up too XXXX or better. My name was used to open other banks that I did n't opened. This money was my business start-up loans that I got approve for. i was told the account had checks that was written out of. And was written fom XXXX XXXX. I was also told, it is more than one person 's that is involved. I did not do this, it has affected my company, I cant afford my companys operation expense bills payroll, and my life. Please help me.
Product: Debt collection

I am reliable for this debt of {$670.00} with Midland Credit Management Account Number : XXXX i never had a contract with this debt collector for any debt. Please provide proof that this debt belongs to me and is legal authority collect or delete account
Product: Credit reporting or other personal consumer reports

I have past due child support payments that were reported in error. The child support was never a contract that I engaged in, nor was it supposed to report to my credit seeing as how no line a credit was issued. This is defined and outlined in XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to ask for additional information to support my disputes, i have complied with XXXX XXXX XXXX and Experian request on XX/XX/2022 in person at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XXXX employee of Experian reviewed, confirmed, and sent all documents to XXXX XXXX XXXX Consumer Affairs Specialist.  On XX/XX/2022 i submitted additional document at the same location and was sent to XXXX XXXX for review and to open dispute. I did not receive a email stating that a disputes was open for the dispute dated XX/XX/2022. 

I have sent full copies of police reports multiple times and previous fraud related items has been removed per those police reports.
Product: Credit reporting or other personal consumer reports

I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXXXXXX XXXX After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX has. violated my rights.
Product: Credit card

In XX/XX/XXXX, my account with Discover was locked while traveling abroad. After speaking with a representative, they confirmed that they needed to verify my income by having me sign a form. Once I'd returned back to the U.S., I had a customer service representative walk me through signing the initial form and she confirmed everything was completed. 

Today XX/XX/XXXX, I'd received an email notification that my account has been closed. After speaking with a representative, they confirmed that my initial form from XX/XX/XXXX was rejected, after I was guided by a Discover Representative in completing it. 

There was not a second form sent to my email, there was not a second form mailed to my address, There was not a notification sent through the mobile app which I used almost everyday and there were no phone calls made to notify me of the additional information needed. They was not able to provide a reason as to why the initial form was rejected. In addition, there was not alternatives ways requested for verifying my income. 

I was and still am able to provide the following reflecting my income : XXXX Tax Return & Transcript XXXX Tax Return & Transcript XXXX Tax Return & Transcript XXXX W-2 ( and later ) Employment Verification Letter Pay Stubs Bank Statements Employment Offer Letter ( XXXX ) Employment Promotion Letter ( XXXX ) Last but not least, resigning the income verification form. 

Closing my account now will impact my credit score significantly after I was attempting to rebuild it. 

I have NEVER missed a payment with Discover, so this is absurd.
Product: Debt collection

I am a victim of identify theft in regards to a XXXX account opened fraudulently in my name. Now I have a creditor attempting to collect {$3100.00} or similar offers from me. The XXXX account was opened in XXXX XXXX ( I've never lived outside XXXX ) on XX/XX/XXXX. On XX/XX/XXXX the XXXX account became delinquent and by XX/XX/XXXX the account was ended. I disputed these charges with XXXX, XXXX, and XXXX and also the creditor " Jefferson Capital Systems , LLC '' here in XXXX, XXXX. These companies are looking into this dispute currently.
Product: Debt collection

I keep receiving emails that I owe money to ace cash services for a {$500.00} loan that I never applied for nor accepted theyve threatened me with arrest seizure of my stuff court case lawyers legal fees threatened my financial stuff and these emails have come from two totally different people from two different states but any time Ive replied and asked they say ace cash I called ace cash this morning and they talked to me over the phone and said that I dont have any loans through them nor do I owe them any money what so ever. I googled this and it seems ace cash has a possible scam or that people have been impersonating them they told me with my name and email I had no loans through them because nothing popped up on their end.
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove the account of which I am a authorized user from my credit report even though I have disputed this many times now. I have had no issues with removing this erroneous information from my other credit reports but Equifax just will not remove it. I have tried multiple times to communicate with both Equifax and XXXX but both give me the run around and nothing gets accomplished but me starting over at square one. 

XXXX should remove me as a authorized user, the card has been closed for XXXX years and I have provided them with all the information to do such, but they instead have given me multiple numbers to call, often which are automated and do not recognize me at all, they have given me their collections department number as a 'solution '. Every month they report the account to my credit report, but only Equifax reports the bad information. They sent me a letter in the mail stating to call a number to have myself removed but the customer service can't find me in the system? But they can report it every month? Doesn't make sense. 

Equifax, I have disputed this pretty much weekly at this point. They do not respect the Fair Credit Reporting act, which I believe is supposed to make sure my credit report reflects my debts and credits accurately. I have told them multiple times I am not responsible for the debt and they can see it's a authorized user account but they keep reporting it and it's effecting my ability to work with lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax dated XX/XX/18, that was received by them on XX/XX/18 challenging the accuracy, compliance and reportability of a entry listing a Bankruptcy on my credit report. I received a dispute investigation outcome dated XX/XX/218 from Equifax  stating that they confirmed the information provided to them by XXXX and will continue to report this information. I placed a security freeze on my XXXX consumer account which was effective on XX/XX/2018, in addition I contacted the Bankruptcy Court to confirm that they do not report any public records information to Credit Bureaus. XXXX is not allowed to release any information contained in my consumer report when placed under a freeze. Therefore, I request that the incorrect bankruptcy be deleted from my credit report because Equifax is not able to properly verify the information they are reporting as previously requested they do via the certified mailing. Thank you in advance for your assistance regarding this matter.
Product: Debt collection

Company filed against my personal credit report for a XXXX company debt. Previous complaint through Consumer Financial Protection Bureau was closed before an explanation on why they can ignore XXXX protection. see CFPB complaint XXXX. Further see police fraud case number XXXX.
Product: Credit card or prepaid card

Late last Summer I was told that XXXX XXXX would be changing its credit card service from XXXX to American Express. On XX/XX/XXXX I called both American Express and XXXX XXXX and told them that I did not want an American Express card. I talked to XXXX XXXX ( XXXX ) XXXX, XXXX at Am. Express. Since that time I have contacted both American Express and XXXX XXXX many times adamantly expressing that I did not want XXXX XXXX to share information with American Express due to previous problems that I had with XXXX. XXXX. Early in XXXX I received a American Express card in an envelope which I did not open until last month. I have not activated the card. I sent multiple emails, letters and calls to both XXXX XXXX ( letters and email XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) and American Express ( Letters and email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX ). Also, there were numerous calls. They shared my personal information contrary to my express wishes ( that were made clearly ) and transferred money without my permission. They can not close the account without my permission which I have not given. I wanted to have evidence as to who was responsible, which American Express recently blamed on XXXX XXXX. ( note some of the letters were sent with tractability via USPS. Some calls were recorded and emails copied. American Express did not like the fact that I record my calls, as allowed in Georgia, and refuse to call me. P.S I posted this on XXXX. I don't know if the lapse in security caused it ; but, I had an attempt for someone to purchase an American Express card ( {$100.00} ) from a different credit card account ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered an XXXX XXXX XXXX by XXXXXXXX XXXX in early XXXX. 

I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. 

Now the real problem. According to their website, the XXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. 

But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. 

Please see the website. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXXXXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. 

Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.
Product: Mortgage

How can a complaint be closed if not resolved? I still got a XXXX a year increase stating short funds in escrow, but my taxes and insurance have remained the same ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED SERVAL TIME FOR THESE ACCOUNTS TO BE DELETED FROM MY CREDIT REPORT BECAUSE IT SHOWS INACCURATE INFORMATION COLLECTIONS WITH BALANCE
Product: Credit reporting or other personal consumer reports

My issue is with the company called ( XXXX  ). Back in XXXX of 2023 I was trying to start my own business and ran across a scam entrepreneurship company that was working with them and they reported a late payment on my credit profile but I terminated my contract with then and they still reported it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax makes the process to obtain our free credit report deliberately so difficult it is practically impossible to do so, after 5 attempts, I finally received a notice saying online delivery was not available. No options of contacting them was given. 

I will submit the paperwork to obtain my report via mail which I assume will take 4-5 weeks to be processed also putting my personal information at risk. 

The federal government should hold them financially accountable for not living up to their promises in any way.
Product: Debt collection

This company is called XXXX I look it up it has part of the XXXX XXXX XXXX which I have have taken of my credit report. Because they call day or night with different number. Which is collection is off PayPal credit which just online I get spam email from PayPal stuff that not real all the time. Which any way I had it removed off XXXX XXXX because of fraud I would be happy if take it off the other two credit report