23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing this letter to address the harassing behavior exhibited by Sallie Mae toward me and my family. They are a behemoth whove been enabled by the current economic and higher educational climate to intimidate and bully us well-meaning and patriotic Americans!!! 

Their threatening phone calls occur during all hours of the day starting at XXXX XXXX  and continuing unrelenting until XXXX XXXX  daily. AND even on Sundays! 

My sons XXXX and XXXX, as well as myself XXXX XXXX XXXX, are all cosigners for my granddaughter XXXX XXXX XXXX XXXX. The XXXX pandemic, as well as her hospitalization for health issues, as well as unemployment stemming from the challenging economic climate, led to her difficulty and delinquency trying to meet her student loan obligations. She is now working two jobs to help pay down her debt.

I am a senior citizen on a limited income from a career as a civil servant trying when I can to help her financially on occasion. This Sallie Mae is a coldblooded institution. Theyre trying to get blood from a stone from a responsible and conscientious young adult who is paying monthly and not seeing any results.

As far as the consequences are concerned from my perspective, at the start of XX/XX/2020I had a credit score of XXXX. It is now in the XXXX range, as is also the case of my sons XXXX and XXXX, whom also had exceptional credit scores.

Why cant they combine the loans, make it one payment so we can see where the money is going? Interests and fees!?!? Are you kidding me? None of us know where the money goes to or which account. They do not make it easy to understand their billing statements!!! I feel they are robbing these kids blind and they will never get ahead for years to come.
And us hard-working Americans who support our children are offered up as collateral damage so these corporate monoliths pad their fat wallers and leave our kids indebted to these thieves for life!

Hopefully Sen. XXXX XXXX can help with this problem, along with Congressman XXXX. I am imploring your help and expertise to really delve into the hidden numbers game, obnoxious and intrusive communication tactics, and predatory lending practices which exploit our youth who seek higher education to better themselves and society as a whole. 

Thank you for taking time to consider this matter, and I would greatly appreciate further personal dialog on this subject if you would be so kind! 

Very truly yours, XXXX XXXX XXXX
Product: Checking or savings account

My USAA account XXXX failed to complete an accurate investigation of a dispute I made about XXXX debiting {$250.00} for event tickets and then XXXX never gave me the tickets. After initially giving me a temporary credit, USAA then on XXXX XXXX, 2024 reversed the temporary credit and sent me a letter saying they are reversing the temporary credit because their investigation showed there was no fraudulent transaction. That investigation I claim is incomplete because the transaction was fraudulent. I was promised tickets and I never got the tickets. 
XXXX promised to send me the tickets, I never got an email saying, 'here are your tickets ' or 'we sent you the tickets. ' I did not attend the event because I had no tickets. There are many XXXX complaints on reddit.com about not getting ticket refunds because people never got their tickets. Here is XXXX 's email to me : Hello XXXX, Thanks for your order! 

We notified the seller and you'll have your tickets by XXXX XX/XX/year>. 

We'll send another email as soon as they're ready. Why the wait? 
Order # XXXX Monday, XX/XX/year> | XXXX ( Event time subject to change ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Complex 1 Ticket ( s ) {$180.00} Section : 119 Row : C Seat ( s ) : - View your order Payment Info Subtotal {$180.00} Tax {$0.00} Total fees* {$76.00} Vat {$0.00} Discount - {$0.00} Order Total {$250.00} *Includes all applicable service, delivery and transactional fees
Product: Credit reporting or other personal consumer reports

XXXX and Experian and XXXX are consumer reporting agencies and I'm the consumer. I have rights to make sure my private info isn't shared.15 USC 6801 to respect privacy of it cu customers and to protect the security and confidentiality to those customers. XXXX and according to the fair credit reporting act 15 USC 1681 section 602 a state there is a need to ensure that the customers reporting agencies exercise their responsibilities with fairness and respect for their customers and the right to privacy. The l furnisher of information to credit agencies the financial institution and the Consumer Reporter and agencies XXXX Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. XXXX and experience are not maintaining responsibilities procedures also 12 CFR section 1016.7 states that a consumer may exercise the right to opt out at any time! I am opting out of your reporting services!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, referenced below, which I believe are the result of a data breach, fraud, or unauthorized activity. I request verifiable proof bearing my signature or electronic signature for these actions. This letter is being sent directly by me, not through a third party, and I kindly ask that you review it thoroughly. 

These actions were not authorized by me and constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B Blocking information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ] and Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

Upon contacting the companies involved, I found that these actions were initiated without proper validation or original proof from any of the reporting entities. As such, the accounts and inquiries in question are inaccurate and stem from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.
Product: Debt collection

Someone used my maiden last name and current phone number as a ( reference ) for a loan at Security Finance in XXXX Tennessee. Well evidently they defaulted on the loan because this company keeps calling me leaving messages and harassing me trying to locate the person who got the loan. I have told them over and over I don't know where he's at I don't have anything to do with him please quit calling they continued. I have been talked to in an inhuman way that was totally uncalled for just so I could be taken off of the list... what's so strange is that this person that calls me from this company is using my maiden name which I have not used in 42 years. I'm not sure he used me as a reference I think they're just looking for family members to try to locate this person. 
Unethical.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments but in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment I've attached a copy of the report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for understanding and prompt action
Product: Mortgage

Reported back in XXXX / XX/XX/XXXX and this matter is still unresolved. I was approved for a Loan modification with payments starting in XXXX XXXX/ XXXX XXXX XX/XX/XXXX. The modification I was approved for was 3 months @ {$1600.00}, which XXXX XXXX PHH never honored. My first payment was cashed for the XXXX of XX/XX/XXXX with excess taked from suspense to make a mortgage payment of over $ 2K which was not what I was approved for. As I am reviewing the XXXX statement the check for XXXX 's payment was cashed and placed in suspense.???? Why, beats me PHH can't apply payments correctly to what I was approved for. My XXXX 's payment was shredded and never cashed. I am filing a complaint with the DFS in New York State and the XXXX XXXX XXXX  of New Jersey and New York. THE XXXX  PHH MORTGAGE SERVICES OR XXXX XXXX  NEEDS TO BE BASHED FOR THE MISTAKES THEY MADE FOR THE SECOND TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Letters were sent to XXXX demanding them to verify and validate inaccurate, wrong, and incorrect information being reported on my consumer report. They failed to validate and removed all debt in violation of FDCPA. The debts attached were challenged and could not be validated nor verified demanding removal. 

Demanded Wet Ink Signature Demanded Validity of Original Contract Demanded for bond to show affiliation with govt. 
Demanded for amounts and proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes on fraudulent accounts. I have also contacted the companies to receive documentation that I have signed or authorized the accounts. The companies has not provided such documentation, yet fraudulent accounts has not been removed from my credit report, which is greatly affecting my life. I have followed all steps by submitting my correct identification to identify myself and have fraud alerts on all bureaus. I would like the fraudulent accounts removed as they do not belong to me. XXXX has removed all fraudulent accounts, but TransUnion and XXXX has not removed the accounts. Please see accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was removed from my XXXX report then added back with no documentation from the company.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were honored I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and Diversified Consultants. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX-XXXX, and Diversified Consultants-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
Product: Checking or savings account

XX/XX/XXXX I last used my debit card before the incident at an ATM at XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  I noticed that XXXX was withdrawn from atms in XXXX XXXX XXXX  and XXXX XXXX This money was not withdrawn by me. I dont go to Illinois XXXX I still had my card. It was withdrawn 3 times that day. XXXX, XXXX, and XXXX. 
The problem is with a Comdata XXXX XXXX. 
I contacted the card company immediately to complain, they said they would send it to the fraud department and get back to me within XXXX business days. I also disputed the charges on the companys website. 
XX/XX/XXXX I got an email from the card company saying that they will not reimburse the fraudulent withdrawals because they have not found sufficient evidence to support your claim. There is no direct number to talk to their fraud department, they would not transfer me, they said I should email them. I find this horrible customer service and it makes it easy for them to deny my claim. 
XX/XX/XXXX I went into the XXXX XXXX that I last used my card. They told me that there was a skimmer put on their ATM machine by a scammer during that time and a lot of people got hit. I then called their XXXX XXXX. in XXXXXXXX XXXX and am waiting to hear back from them so maybe i can get something in writing. 
XX/XX/XXXX I file a report with the XXXX Police Department and disputed the charges again and gave the card company the case number and told them that XXXX XXXX had multiple problems recently with their ATM
Product: Debt collection

I will try for numerous months to get this off of my credit report. Someone is using my credit information to open accounts. They never give me any information except the balance in a cheaper payoff price
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank : XXXX  XXXX XXXX Credit Card Open Date : XX/XX/XXXX Status - Account charged off. {$10.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XXXX XXXX Balance - {$10000.00} Balance updated - XX/XX/XXXX Highest balance - {$10000.00} I spoke to XXXX  XXXX XXXX. They confirmed that there was no credit card under my social security number.
Product: Debt collection

I have a collection account with XXXX XXXX University, for tuition owed for classes they claim I did not formally withdraw from in time during XX/XX/XXXX. The amount of this debt showing on my XXXX XXXX credit report is {$1700.00}, as reported directly by XXXX XXXX University, on XX/XX/XXXX. 

The law firm now handling the collection, Keith D. Weiner & Assoc. Co. LPA , is claiming I owe over {$2700.00}, due to " collection costs. '' They claim the initial balance with XXXX XXXX University was {$1600.00}. 

I disputed their claimed balance amount with them, based on the balance amount XXXX XXXX is reporting to XXXX XXXX. 

A representative for Keith D. Weiner & Assoc. Co. LPA , using the alias " XXXX XXXX '' ( XXXX ext. XXXX ) said his firm will just " file a summons, '' " get a judgment, '' and " garnish my wages when I do get a job '' per our telephone conversation on Monday, XX/XX/XXXX at XXXX EST. 

Prior to this, he made similar threats, such as on Friday, XXXX XXXX at XXXX. 
Prior to even attempting to call my personal phone, XXXX XXXX called my part-time employer on XX/XX/XXXX at approximately XXXX, and spoke to the owner of the company. 

On the same day, XX/XX/XXXX, XXXX XXXX called my personal phone at XXXX. 

The amount Keith D. Weiner & Assoc. Co. LPA , claim I owe has now been inflated by 65 % ( {$2700.00} vs. {$1600.00} ). 

The collection tactics they are using and their inflated amount they claim I owe, may be in violation of Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am not associated with this inquiry. Please promptly remove them from my credit report.
Product: Credit reporting

experian is a joke they r supoose to help us make our credit better and then all this XXXX goes on! I have XXXX potentaly neg items on my report and under the fair credit reporting act they are not suppose to be there. they need to be deleted and done with. this is my life they r messing up and no one wants to help. this is why i am here at your site! under the fair credit reporting act collection companies have no business posting in the credit reporting agencies as you had a agreement with the credit card company/utilty company not with a third party. i desputief items and nothing even when thier findings were in my favor this XXXX is left to sit here and nothong is done!
Product: Credit card or prepaid card

On SaturdayXX/XX/2021, I received a debit card from US Bank, number XXXX XXXX XXXX XXXX The name on the card is XXXX XXXX ; I know no one by that name. I have tried to report to US Bank but calling the number provided on the paperwork, plus several other US Bank numbers, was fruitless since they all said that this is a " Reliacard '' which is used for government benefits like unemployment -- and when I try multiple times to phone the Reliacard number they gave me, their lines are clogged and I can never get through. I am somewhat concerned about identity theft or welfare fraud or other issues, and I find it highly irresponsible of US Bank to be inaccessible.
Product: Credit card

I am writing to formally file a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), Regulation Z, and for failure to arbitrate according to Terms and Conditions agreement provided by AMERICAN EXPRESS. 

Description of the Error : Failure to Arbitrate, Acceleration of Debt, Breach of Contract AMERICAN EXPRESS, failed to follow The Claims Resolution and Billing Error resolutions included in the terms and conditions received resulting in subsequent U.S.C and 12 CFR Regulation Z violations. 

American Express Representative Third Party Contracted Representative, XXXX XXXX : XXXX XXXX, Terminated US Federal Judge for the XXXX XXXX, Illinois XXXX, engaged in misconduct during her management of the complaint filed against American Express Company on XX/XX/2023. This misconduct included untimely response, acceleration of debt, intentional failure to arbitrate, and breach of agreement. 

Specifically : XXXX ignored written notices sent to her on XX/XX/2023, regarding violations of Regulation Z,12 CFR 1026.13, which occurred after the initiation of the arbitration and failed to follow up on her own requests.XXXX XXXX failed to ensure compliance with relevant federal regulations designed to protect consumers and ensure fair lending practices in violation of 16 CFR 433.2. This conduct raises serious ethical concerns and warrants further investigation.
Product: Student loan

I have had to call Nelnet 5 times, about the same issues, regarding my repayment plan. Each time I call the wait time is close to 2 hours long, and I receive different answers from each representative I speak to. On top of this, each time a representative gives me information, nothing of what we spoke about actually happens on my account leading me to have to call back again, over and over. I was initially told that all groups of loans will be placed on an extended graduated repayment plan and the total of the payments will be {$290.00}. This has changed several times since I was told this on XXXX The payments have jumped to over {$570.00}, then reduced but still higher than the initial amount given to me on XX/XX/. Then I was given completely different information and amounts of what the payments will be. Literally, each time I speak to a representative, the amounts and information provided to me are completely different. I want resolve. I want a payment that I can afford so that I can make them timely each month. I want what I was told would happen to actually occur on my account. I was told, {$290.00} TOTAL - this includes all groups of my loans, on the extended graduated plan. The amount of time, anguish, irritation, effort, etc. that I have to put into getting accurate information for my loans is absolutely ridiculous and unacceptable. Nelnet is a student loan servicing company contracted by the Department of Education to service direct and Federal Family Education Loans. However, it seems they are severely understaffed as well as not fully equipped or trained as to how to properly service, process, and execute the information provided to customers about their loans. I want resolve. I want to not have to spend time each week, holding for almost 2 hours each time, just to be told different information than the last time I called. I want the total payment that I was told I would have of {$290.00} TOTAL which is inclusive of all my groups of loans.
Product: Checking or savings account

I have a personal checking acct at Community Bank NA in XXXX XXXX XXXX, NY XXXX only use my checking acct as a secondary account and able to access online only- I don't receive paper statements- I had been locked out of my account for months since I dont use the account regularly- When I again got access to see it online on XXXX XXXX, I discovered there was a revolving amount being drafted from my acct- {$610.00} since XX/XX/XXXX. I immediately called my bank ( XXXX ) XXXX and they had me come in and sign 6 signature pages for disputing the 6 transactions that occurred either the XXXX or XXXX of every month starting XX/XX/XXXX. I was told from my local bank XXXX Community Bank NA from XXXX branch manager ) ) that another Community bank in XXXX XXXX NY transposed their bank ID number ( XXXX ) with mine ( XXXX ) and then also changed a number to reflect my personal checking acct number. I was sent letters from Community bank for the following date of transactions : XX/XX/XXXX - we have not completed our investigation- we issued you a provisional credit to your account and will notify me with 45 days of the results. If we discover an error did not take place, we will notify you that we are going to debit your account XXXX same message as above XX/XX/XXXX - we have credited your account-disputed transaction- {$610.00} XXXX we have completed our research regarding your dispute and the dispute was not submitted in a timely manner= they will not give me my money back XXXX we have credited your account-disputed transaction- {$610.00} XXXX we have credited your account-disputed transaction {$610.00} That does not make sense they will not credit my account for the false transaction that took place on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$0.00}