23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My husband and I applied for a loan to build a pool at my property. I have a XXXX credit score and my husband has a 800+ credit score. I have {$80000.00} in the bank, I own a  property with over {$300000.00} in equity and I make {$60000.00} a year W2 income in addition to my social security and my husband 's pension. 

I filled out the application online and was asked to call and verify some information. I called and verified everything and they said they needed to speak to my husband. I was at work, so my husband and I called back later. The girl who spoke to my husband insinuated that she did not believe that we filled out the application on line. She asked my husband " did you fill out the application or did someone help you? '' She was very condescending and it was apparent that she did not believe people of our age ( 80, 81 )  should be borrowing money. 

A few hours later I received a denial letter. The denial stated I had too many late payments. I called Lightstream and asked them to go over with me what the denial was about and I alerted them to the fact that I felt like age discrimination was in play. He said that I had a few late payments on my report and that was the reason. I asked him if they had a policy of how many late payments were acceptable and he said it was case by case. I told him that age discrimination was against the law and he offered to resubmit the application. The next day I received the same denial email. 

I feel very strongly that if my application were compared to any other with a XXXX credit score, there would not have been a denial. I am convinced that Lighstream broke the law and discriminated against my application due to my age.
Product: Payday loan, title loan, or personal loan

I used acima finance company for some furniture from XXXX, i have made all my payments on time i used a credit card to make the payments and i notice on XX/XX/22 every time i made a payment to the company i have been getting charged a XXXX $ XXXX advance fee. I asked the company how are the charging me an they stated as a debit card instead of a credit card, i asked if they can charge my card back and then take the payments back as a credit charge they stated they cant do that an they cant do anything to help me but pay one XXXX $ charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following in Equifax 's response to CFPB Complaint # XXXX as it pertains to XXXX, Account # XXXX. 

" We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request. '' In response I am informing you that as per 609 - 15 U.S.C. 1681 ( e ) ( 1 ) Equifax must respond to identity theft victims within 30 days. Also, Equifax must provide to the consumer " ... a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft ... '' See attached supporting documents and law.
Product: Debt collection

I have two account that are in collections from Amerifinancial solutions that are representing XXXX XXXX XXXX XXXX. The first amount is {$600.00} that was reported on XX/XX/XXXX the second account through them is in the amount of {$890.00} and was reported on XX/XX/XXXX. 
These collection amounts were from when I had XXXX XXXX of Alabama and the provider did not bill them through XXXX as my secondary insurance for some reason. 
I have reached out to XXXX and they told me because it has been longer than 12 months since the service was provided they can not do anything and it would be between me and the provider. I have spoke to the billing department at the hospital and have been told it would have to go through XXXX. They are claiming they did not know I had XXXX XXXX during my services but I know they did and I had several visits to the labor and delivery department that were billed correctly through my insurances. I should not be responsible for my medical bills because the provider did not bill them correctly. It was their mistake and if they would have done it correctly I would not have any amounts owed. 

I also have four accounts that are open through XXXX XXXX XXXX XXXX that are in regards to the same issue representing XXXX  Alabama XXXX XXXX The first one is in the amount of {$120.00} opened on XX/XX/XXXX The second XXXX is in the amount of {$410.00} opened XX/XX/XXXX The third one is in the amount of {$150.00} opened XX/XX/XXXX The fourth one is in the amount of {$590.00} opened XX/XX/XXXX The dates of service in regards to these visits were as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX I had XXXX XXXX from XX/XX/XXXX until I delivered in XX/XX/XXXX and then again XX/XX/XXXX until I delivered in XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I recently found out about being in XXXX XXXX I've never had an over draft also not for this bank, I can't open a bank account previously I've had accounts close with banks telling me it's for my protecting my identity which was strange, so I recently pulled my report an overdraft for sun trust bank for over 1200 dollars how's that even possible I receive disability this happened in 2018 I'm just finding out also I've made a police report my identity has been stolen in XXXX XXXX XXXX XXXX  and XXXX XXXX my child support and disability was stolen recently also police report is with XXXX police dept in Florida
Product: Credit reporting

The car financing company XXXX is currently reporting as a closed account on with all three credit bureaus. They are also reporting as a judgement on equifax. I have contacted all XXXX credit bureaus because XXXX XXXX is currently garnishing my wages receiving roughly about XXXX per month since XX/XX/XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.
Product: Student loan

I graduated from law school at the XXXX in XXXX, after finishing XXXX at the XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and I have reviewed my credit report XXXX and found several inaccuracies! Therefore 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 XXXX XXXX XXXX. Accounts named ; XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ), XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, these things are incomplete and not accurate XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are suppose to 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. 
I have also attached copies of my identification to confirm this is my identity.
Product: Checking or savings account

Ally bank has suspended my ability to ACH transfer fund out of my Ally account to my bank accounts at other institutions for months and refused to restore it despite my repeated requests.
Product: Debt collection

I was notified through my credit report that an organization called Consumer Adjustment Co place a collection account on my credit report for {$5600.00}. I was never notified or contacted regarding the debt. I spoke to rep who confirmed it was XXXX an account that had already been dismissed and settled through the IL courts. My consumer rights were violated as the company failed to contact me regarding the debt and has not furnished any proof that I should pay them money for a settled debt. I will contact legal representation and countersue for providing false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have the wrong social security number for me you have reports by American eagle and XXXX  that should not be on there I never requested a credit report on them I never had a Verizon  account in my name
Product: Checking or savings account

XX/XX/year> Is when this all started I got a text with at XXXXXXXX XXXX about an esim being put on our account. I texted all my children and no one had a new phone. Around XXXX I got an access code to our SoFi account. I tied to log onto SoFi but I was logged out. I honestly just thought I would call in the morning. The next day while at work my phone would not send or receive texts and no calls in or out so I messaged XXXX as soon as I got home. I noticed XXXX other phones on our account. XXXX did nothing at first but my husband was sure it was fraud and got hold of their fraud dept. While doing that we got very nervous about our SoFi account. I could not use my phone so I was trying to use my daughters while my husband was trying to work with XXXX. SoFi refused to let us in the account and told us that first we would have to wait XXXX hours to get in our account. Even after all we had told them everything that was happening. We asked if there was anything suspicious on our account and we were told no but that our account was at XXXX XXXX  even though we knew we had {$13000.00} in there. We were told we could not access the account. When we finally did we noticed all of our money had been transferred to XXXX different banks and my last paycheck was moved from our checking to savings and transferred out as well. {$3900.00} went to an XXXX and XXXX XXXX  and the other to XXXX XXXX XXXX. We got an email from XXXX XXXX they were going to close the account and mail us the money but when we called we were told we could not get any information on the account and we told them this was fraud. We have tried over and over to dispute the charges at SoFi and keep the account on hold but every few days they unfreeze the account and tell us it is active and ready to go. We finally got XXXX email today after 12 days saying no errors were found in our account and we will not be getting the {$3900.00} dollars back. We have yet to here about the {$10000.00} transferred to XXXX XXXX XXXX  but did get a debit card in the mail from XXXX. XXXX has worked well with us and helped us secure the account. They also tried to transfer {$5000.00} from another bank of ours called XXXX XXXX XXXX XXXX XXXX. We called them and they immediately stopped the transfer and helped us secure our account. SoFi so far has not secured the account I can see even after calling putting in the disputes that the other person accessed our account XXXX more times. It is in our history but apparently on their end there are no errors. I am so frustrated and we have filed reports with everyone we have been told about, identityfraud.gove, we froze our credit reports, we have filed a police report, an XXXX, put in disputes for our account transfers and the credit card we had never used was also put up to the full amount of {$3500.00} over night but SoFi has no errors on our account? Please help us!! This is the worst thing that could happen to us and we really need the money for our children 's college and marriages. We have XXXX children and this is all of our money plus my last paycheck!
Product: Student loan

unable to make principal only payments. i make double payments and my loan is prepaid 5 months but I am unable to reduce the amount of interest I will pay.
Product: Mortgage

Newrez purchased my 1st mortgage from the previous loan servicer SLS. My bank had been sending automatic payments to SLS for XXXX years. After Newrez took over the servicing they should have received XXXX months payments from SLS but apparently they did not. 

I provided proof of payment to SLS on Newrez 's website as instructed and they haven't acknowledged said payments. Additionally I mailed proof of payment to Newrez with proof of delivery, and yet they are still claiming I'm XXXX months behind because of the payments mailed to SLS. 

This morning I received a notice that my loan is in default, which it isn't
Product: Debt collection

AUTOMATED COLLECTIONS XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Original creditor : XXXX XXXX This was placed on my credit report at a collection, I do NOT have a written agreement or account with this company. This is also considered medical. This needs to be removed from all credit bureaus IMMEDIATELY, pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Debt collection

I have sent them several letters telling them that are violating my rights and to cease and desist by reporting this negative information is violation of cease and desist everytime i see my report they communicating with me these letters were certified so they signed for them meaning they are ignoring the law i listed below " This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You have violated the FDCPA XXXX XXXXXXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off several accounts and the credit reporting agencies XXXX and Equifax will not update or remove the derogatory information. The accounts XXXX and XXXX XXXX are both paid in full. Both agencies have been notified of the pay off and continue to report as negative. I've asked for several investigations and offered to provide proof of paying it off and they still report derogatory information saying they have verified it. But I have proof of payoff. Both accounts show pay off to XXXX XXXX and XXXX that's my bank account XXXX XXXX statement so you can see both accounts are paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was the original lender of this loan and payments were being made on time and withdrew from my bank account automatically. I spoke with a representative at the company about this matter as well. And to my knowledge it was resolved, however they sent my account and personal information to TrueAccord without getting in contact with me, and I have sense been receiving emails and other contact methods from someone named XXXX XXXX at all times of the day about my information. My information was sold to True Accord without my knowledge and it is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ) ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not have permissible permission to access my private information. XXXX XXXX said they would get the inquiry removed months ago, XXXX XXXX claims to have disputed with other companies that have hired XXXX XXXX BUT I DID NOT SIGN ANYTHING AUTHORIZING XXXX XXXX TO ACCESS MY PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense of " bait and switch. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a manager. 

The manager XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.
Product: Credit reporting or other personal consumer reports

I attempted to apply for a Citi card online, only to discover that Citi was unable to process my application through their online system. Despite this, Citi proceeded to conduct a credit inquiry. Upon realizing the online application could not be processed, I requested that both my online application and the associated credit inquiry be deleted. However, my request was denied. 

I expressed my concern to Citi, asserting that their actions constituted fraud, as they accessed and retained my personal data without completing the application process. In response, they said if I filed a formal complaint, they planned to just deny my request again. They said that their credit pull was considered authorized as long as I clicked a button, regardless of the fact that they misled me about their ability to process my application. 

In an attempt to address the matter further, I contacted XXXX for external resolution. Regrettably, they informed me that credit inquiries, even those made in error by entities like Citi, are not typically removed from credit reports. Despite my insistence that Citi 's actions amounted to fraud due to their unauthorized access to my data, XXXX maintained that such actions are only considered fraudulent if the information is used by Citi to apply for credit elsewhere. They asserted that simply obtaining personal data for other purposes does not constitute fraud. 

This experience has left me deeply concerned about the handling of my personal information and the lack of accountability in the credit reporting process. 

My application ID at Citi XXXX. My ZIP - XXXX My Dispute Report Number at XXXX : XXXX. My Investigation ID is : XXXX Last XXXX digits of my XXXX - XXXX. 

Feel free to use my personal data for investigation purposes but please, don't publish my personally identifiable information on your website.
Product: Debt collection

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX   {$1100.00} ( shown as {$1100.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. Copies of a billing statement DO NOT constitute my ownership of the account
Product: Debt collection

This Debt Collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Student loan

I have a federal student loan serviced by Nelnet. After I graduated in XX/XX/2010, I was n't making enough money to make my payments. When I called them up, they pushed me into a forbearance. The same thing happened a year later, when I still was n't making enough money - I called up, explained my situation, and they put me in forbearance a second time. Little did I know, there was such a thing as income based repayment. I could have afforded {$50.00} a month, or maybe just paid the interest. In retrospect, I could have saved several thousand dollars in accrued interest if they had just offered me an income based repayment plan instead of forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my previous address delete immediately because I never live there
Product: Money transfers

Paypal has frozen my account and I can not use ebay Id call it antitrust