23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been struggling to pay my private student loan bill and had to file a series of forbearances in order to not have my account be late/default on my loan. I called about 2 weeks ago and spoke to a customer service manager that an option for me to lower my payment would be to refinance the loan with SOFI, which would lower my interest and therefore lower my monthly payment amount. 

I applied for a refinance while I was waiting for a forbearance application to be reviewed and approved. The amount I was quoted with the refinance application was under {$700.00}, which would allow me to make my full monthly payment and not have to apply for forbearances. 

However, the application was 'stalled ' because when I connected my XXXX account to my Sofi application, an communication error between XXXX and SOfi occurred. on XX/XX/XXXX, I called SOFI and was told to call XXXX and ask that they updated their files. I debated why I should have to call XXXX when the issue was between Sofi and XXXX - I had provided all documentation and information requested of me. In the interest of time, I tried to submit the student loan documentation they were requesting manually, but it would not upload to my application. I therefore emailed SOFI directly with the information/documentation. A few hours later, I received a denial of my application - even though I was 1. told to apply, 2. pre-approved, and 3. have a very high credit score, good income, and no delinquencies on my credit report. 

In follow up emails, SOFI explained the reason was because I had not provided documentation of my income and that I had I had a bad internal credit score with SOFI due to my use of forbearances. I had provided documentation of my income, and I'm receiving a 3 % raise in XX/XX/XXXX. Also, these forbearances were approved by SOFI and I was never told that use of necessary forbearances would impact my ability to refinance in the future. Nor was this mentioned as a potential barrier when I was told to apply for a refinance of my loans. 

I'm stuck between a rock and a hard place. I'm trying to do what is responsible and necessary in order to not go into default with my private student loans. I asked for guidance on what to do to lower my payment and was told to refinance by SOFI, was preapproved, and provided all necessary documentation/information for my application. By denying my application, SOFI has essentially removed the only mechanism I have to lower my monthly payment amount. This is not being customer friendly or helpful to someone with a high student loan debt burden. SOFI is forcing me to go into default with my student loans. 

I DO NOT HAVE A CO-SIGNER nor a potential Co-signer, so do not offer this as a suggestion. I should not need a co-signer with a nearly 800 credit score making over {$80000.00} ; I was able to take out a mortgage for double the amount of what I owe in private student loans on my own, without a co-signer, when I had less income and a lower credit score.
Product: Money transfer, virtual currency, or money service

In approximately XXXX of 2021, I went to XXXX XXXX XXXX located in XXXX XXXX, Ohio. I ordered a Money Order for the value of {$1000.00}. Later, when the cashier tried to scan the Money Order to cash it, the system kept saying that there was an error and the scanner couldn't scan the money order. The interesting part is that the money order was purchased and then we attempted to cash it within the same 3-4 period. Therefore, it doesn't make sense that it couldn't have been refunded or cashed because there were only a couple days difference between purchase date and attempted cashing date.
Product: Credit card

I have made 6 payments to my Chase credit card as shown below. They were not late payments. I made these payments as the credit limit was only {$15000.00} and I use this card for my business, including the insurance payment, various services ( internet, cable, 3rd applications, etc ) and 2 times a week grocery shopping for my restaurant ( $ XXXX purchase each time ). 

XX/XX/year> {$5000.00} XX/XX/year> {$5000.00} XX/XX/year> {$4500.00} XX/XX/year> {$5000.00} XX/XX/year> {$5000.00} XX/XX/year> {$5800.00} Each time, after the payment was cleared from my paying bank account XXXX XXXX XXXX XXXXXXXX ), Chase held my payment for 7 days and refused to apply the payment to my credit card. 
I confirmed with both banksXXXX XXXX XXXX XXXXXXXX and Chase, that the payments were successfully transferred to Chase on the day each payment was cleared from XXXX XXXX XXXXXXXX, and Chase confirmed the receipt of payments on the same day. 
I was told multiple times by the customer service rep. from Chase that the reasons that Chase refused to apply the payments even after the possession of funds were 1 ) I did not have a bank account with Chase and 2 ) Chase would keep holding my payments for 120 days from the account opening per the policy. However, the reason # 2 could have been lifted if I had a bank account with Chase. 
Thus, literally, Chase is limiting the transaction ability of credit card customers or putting a restriction to their customers when they do not have a bank account with Chase, and Chase forces those customers to open a bank account with Chase by doing so.
Product: Student loan

Hi I am a co-signer on XXXX of my daughter 's student loans which is 'managed ' by American Educations Services of XXXX , PA ( XXXX ). Her loan became delinquent and, as a cosigner, they began collection proceedings on the account including phone calls and letters directed toward myself. That is fine, however the problem is they somehow entered an erroneous social security number for me in their system. In order to create an account and even look at balances, past due amount etc, in other words to be provided with a full disclosure of the debt they are holding me responsible for, a social security number is required. Thus I am in a strange and very unfair predicament where they are taking collection actions against me, including a threat to report the delinquent status to the major credit bureaus, but I have no access to the loan details! As far as I know there are laws against collection activity without full disclosure concerning the debt in question! I 've called multiple times and was told I have to send a photocopy of my social security card in order for them to update their records. They will not simply update it with information provided via phone call despite a lengthy identity verification Q & A - as if, in the age of digital photo editing, an image is any more secure?? So XXXX I sent a photocopy to the email address they provided, but they claim never having received it. Every time I call they place me on hold for XXXX min while 'researching ' the problem. I asked if they could simply supply an email address where I could send the photocopy, while on the phone with them, so I would know if they received it. they indicate for some reason they ca n't receive e-mail directly or something to that effect, and that request too is denied. so here again I 'm placed in an impossible situation! they ask me to send the photocopy to an email address, but refuse to provide me any confirmation they 've received it! Attempts to work with American Educational Services and resolve this problem have proven very time consuming. During that time, the loan status is continually ageing but I do n't have access to the necessary information in order to check the loan status, see when payments are due, for what amount, etc. I 've tried working with them to resolve the issue for approaching two months but the situation still drags on. I do n't have any recourse other than maybe hiring a lawyer but it is financially prohibitive.
Product: Mortgage

XXXX XXXX XXXX filed a Fraudulent action of foreclosure. Lender and debt collection failed to respond to my request ( see attached request ) I seek criminal investigation to determine rightful owner of deed and securities that hold title. I have expert witness signing under penalty of perjury attesting to their enrichment of this scheme and evidence of an imperfect title. First Horizon is not the owner of the note therefore has committed fraud in filing a foreclosure action. The Bank nor XXXX XXXX XXXX has responded in a proper way in answer to my request for documents to prove ownership. Failure to confirm rightful owner of the note/deed of trust is a fraudulent act and they have committed a crime. Bank has benefited by investment/securities/bonds and have not shared this action with me. By is comingling of funds in their investment I ask for full accounting of investment returns. 
They fail to respond to the broken title and can not show evidence of ownership of the note because they no longer have in their possession because it was sold, and they have no right in foreclosing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has repeatly denined removing information from my Experian credit report along with the false address ... as well as public record reporting with it ... i also have filed complaint with federal trade commsision. XXXX XXXX  is an has reported that I live in Wisconsin. An will not remove that account ... .also the chapter XXXX dismmised. Was never went thru with or fullied by any means an is not valied. An experian wont remove neither.
Product: Checking or savings account

My wife and I have a joint checking account with formerly Bank Of The West now BMO. We were in process of closing this account, but had to have BMO/Bank Of The West stop auto debit loan payments. We were advised by BMO that our loan payments would be stopped on auto debit and able to be moved to our new checking account at another bank. BMO advised us that this process could take months due to a merger. We are now at the XXXX month mark and auto payments are still happening. Because our direct deposits are going into a new bank and not BMO, we are being assessed a checking account service fee. We can not close this account and avoid this fee because BMO will not change these loan payments to come out of our new account. We have made several call attempts to have this done and have been advised it will be done and yet it is still not completed. The service charges are deceptive by nature, we feel that BMO is dragging this process out to get these service fees and avoiding allowing us to move banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

New and situation getting worse. One account turned into three accounts. Inaccurate! This orginally showed 1 account with this company. Now three with different information. Inaccurate open date too. This account I have proof of open date orginal open date said XXXX now it all says XXXX. I never ever opened a government loan with this company in XXXX. Never signed a promissory note ever with them in XXXX with this company.
Product: Credit card or prepaid card

Called ChevronTexaco customer service. Spoke with a person. Told her my issue. The person didn't understand. What I was trying to explain. I ask for a supervisor. They never came on the phone. Finally got disconnected. Date was XX/XX/2020. 
Then I tried XX/XX/2020, the company wanted me to chat online. That person wasn't helpful either, directed me to the dispute on to download but there isn't anything on for disputing late fees. I also tried to call and I was disconnected again. 
All I want is my {$28.00} late fee. I can show what I paid for the last 4 months. 
The payment is due on the XXXX You can see all payments were paid but not when ChevronTexaco credit card company says. 
This is what credit cards companies are doing now. 
You can't even look at your statement on line unless you request it. 
The company that takes care of ChevronTexaco is Synchrony Bank I pay my bill every month. I feel that they should care about their customers. 
I haven't used this credit card for a long time. 
I feel credit card companies don't care about customers at all. I don't think this company has dispute area. There wasn't a option.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports.

The IRS defines a charged-off account as a canceled debt that you must pay taxes on.

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Product: Credit reporting or other personal consumer reports

There are several accounts on my XXXX, XXXX, and XXXX reports that are reporting inaccurate and unverifiable information. The accounts are three different accounts from XXXX XXXX XXXX  and one account from XXXX and an account from XXXX XXXX. I can not put my account numbers in this public complaint however I have attached letters detailing everything.These accounts violate several FCRA laws and contribute to harm in several ways. I have addressed each account in full detail In the letters attached. Please review each letter pertaining to each account carefully.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( Finance ) this inquiry was not authorized. and doesnt belong to me. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. I received notice from Portfolio Recovery Associates LLC dated XX/XX/XXXX regarding the disputed account confirming they were reporting correct data and attached a monthly billing statement for the account from the year XXXX. The monthly billing statement ( s ) also list an address that I have never been associated with. There response has not resolved the matter nor does it comply with my request for validation. Furthermore the items remain on my credit still reporting negative. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. REF # XXXX / ACCT # ending in XXXX
Product: Vehicle loan or lease

I leased a vehicle back on XX/XX/2019. Since XXXX I was asking the financial institution what I need to do in order to take the car with me to XXXX XXXX. Due that I was here under the XXXX license and that I had to report back to work on XX/XX/2019. I spoke in three different occasions with three different customer service representative from XXXX XXXX and in all of the three conversations they told me that I will have to change my lease into a conventional financing in order for them to give me a permission letter to take the vehicle with me. Also, they told me that I need to submit the documents stating that I had to report to my work by XX/XX/2019. I did exactly what they told me to do and switch my lease into a conventional financing. When I submit the documents they told me that I can not take the vehicle with me to XXXX XXXX. It should be evidence in their system and recorder conversations when I called and the instructions that they told me to follow. Now the options are slim and if I return the vehicle it will affect my credit and if I sell it back to the company I will have to pay them few thousands dollars due to the depreciation of the vehicle. That I do not have it right now. This situation has cause damage to my health and collateral.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding inaccurate and unfair information being reported by Regional Acceptance Corporation on my credit reports from XXXX, XXXX, and XXXX. Despite having paid off my account in full and on time, Regional Acceptance has reported this account closure in a manner that is negatively impacting my credit score.

Summary of the Issue : I entered into an agreement with Regional Acceptance for [ car loan ], which I successfully paid off in full on time. Despite fulfilling my financial obligation, the account was closed by Regional Acceptancenot by meand continues to be reported as a negative item on my credit report.

This reporting is misleading and detrimental to my credit profile. Although the information may technically be accurate in terms of the account closure, it does not reflect the full context of the timely payments, responsible financial behavior, and satisfactory account closure. 

Details of My Dispute and Companys Response : I initially submitted a formal goodwill adjustment request to Regional Acceptance, providing documentation supporting my positive payment history and paid-in-full status. 
On XX/XX/XXXX, I received a letter from Regional Acceptance stating they would not honor my request, citing that the information was accurately reported and that they were unable to change the report or remove the accurately reported information. 
I have enclosed copies of my correspondence and credit reports from XXXX and XXXX showing the continued negative reporting. 
Impact on Me : The negative reporting of this closed account has hurt my credit score and financial standing. This unfair reflection of my credit history jeopardizes my ability to access favorable terms for future credit and loans, despite my history of fulfilling my financial obligations responsibly. 

Requested Resolution : I respectfully request the following : A reconsideration of my goodwill adjustment request to remove the negative report of this account closure from my credit report. 
An investigation into whether this account is being reported consistently and fairly across all credit bureaus. 
Supporting Documents Enclosed : Copy of my credit report from XXXX XXXX of my credit report from XXXX Copies of correspondence with Regional Acceptance Corporation I hope to resolve this matter promptly and amicably. If additional documentation or clarification is needed, I am happy to provide it. 

Thank you for your time and attention to this issue.
Product: Student loan

My name is XXXX XXXX. In 2017 my loan funding ran out and due to tgat I had to end my student status which began repayment billing. This is where I realized I was being billed XXXX a month. I called explained this is impossible and was told due to my financial status I could do student forgiveness or be lowered drastically. I sent copies of paychecks and tax returns yet nothing occurs. I've written a mails and complaints and just watch my credit score drop to nothing. I need help possibly attorney?
Product: Debt collection

On XXXX I ordered XXXX Supplies from XXXX XXXX for my mother and myself on XXXX separate orders ; with XXXX separate insurances. XXXX XXXX billed both orders under my account ; I called multiple times and gave them my mother 's Medicare and Tri-Care for Life Insurance information ; and each time they advised the account had been updated out of my name. 

Several months would follow and I would receive a bill indicating the {$370.00} was due ; I 'd call them up and go through the same process. Each time, they 'd assured me the billing issue was fixed. I believe I may have received a call back in XXXX in regards to the bill, which I thought was XXXX XXXX and explained again that they should have billed my mother 's insurances. Did n't hear anything from them since. I have not received anything from anyone either in regards to the debt still being taken out of my name. 

Last week XX/XX/XXXX, I applied for an unsecured loan and was told that I had an account in collections. After researching it on XXXX, I discovered XXXX XXXX had assigned it to a collection agency - Tri-State Adjustments , Inc . This was a surprise, I filed a dispute with XXXX in regards to the collection account. I have not received anything from Tri-State or XXXX XXXX on this issue. 

The medical supplies sent to me does not even fit ; my machine, the filters, prescribed mask, etc. fits my mother 's profile. Her name is XXXX XXXX. It has been three years and I 'm not sure they can bill Medicare now. XXXX XXXX call records will indicate my persistent attempt to get them to get this off my account and into my mother 's to bill her insurance. 

This has negatively affected my credit score and hardship.
Product: Debt collection

I received a notice from Pappas Hayden Westberg & Jackson XXXX XXXX, KS XXXX stating that they were trying to garnish me. I tried several times to contact and finally got a call back. This is in regards to a credit card debt from nearly seven years ago. They would not provide really any information other than they would do an internal investigation and let me know. I currently do not have any marks on my credit report to reflect anything relating to this. I regularly monitor my reports and have not had anything on this as far back as I can remember. I had thought that I had paid it but due to the age I am having trouble coming up with any records. I tried to contact the debtor directly but they would not talk to me because there was a attorney involved. If I owe it, I'll pay it but they couldn't/would n't offer me any proof other than " because we say so ''. I don't understand how something can simply pop up out of nowhere and I can be expected to blindly pay it. They are talking about garnishing a bank account that has been closed for several years. I have worked hard to repair my credit and don't want something to damage that for no apparent cause other than a greedy law firm trying to prey on the unsuspecting and vulnerable. Is this even legal? Are there no statutes of limitation? Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Citi Best Buy Credit Card was closed by the grantor due to returned payment on XX/XX/2022 for {$340.00}. This payment was not initiated by me and was attempted to be withdrawn from a XXXX account with insufficient funds. I was told the account can not be opened back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my account past due and they refused to validate my account. I asked to validate my accounts by providing documents bearing my signature.
Product: Credit card or prepaid card

Previous Claim # XXXX I received a message that you were unable to send the complaint to the credit card company, Way To Go, which issued the card for the State of Georgia. On closer examination, it is a XXXX issued by XXXX XXXX, headquartered in XXXX, TX. This address should be in the system.