23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Sallie Mae has no good options for borrowers to pay back their XXXX loans. All of their reviews on XXXX, XXXX, and XXXX state these same issues. The company ask for your financial information but tell you what you can afford, even though you tell them otherwise. They barely drop your payments to an affordable rate and still report you even if youre paying something on the XXXX loan. You have people who arent paying ANYTHING on their XXXX loan but this company still treats those who try to pay something the same way. You call them and you talk to different people every time. Most of their employees have no clue whats going on and tell you many different things. Verbally accepting the term doesnt mean a thing to this company because when you talk to a employee and they verbally tell me one thing, and that one thing isnt valid, the only response I get is well check the recordings or file an complaint. So of course youre going to cover for your employees because you dont want to make the company look as bad as it already is. One employee told me pay what you can and you will not get reported. Ive heard this answer from numerous employees! Then 2 weeks later I get an alert saying my credit score went down. Once I called about the issue, they covered for their employee saying that they never told me that. Which was a lie. I also had one top employee tell me stop wasting your time calling because nothing is going to change. But they call you, leave voicemails, and emails about how they claim to want to help. People borrow money from Sallie Mae to go to college to better themselves for the future, not to buy cars, go on vacations, or etc. This company treats you as if youre nobody and try to drain you for every XXXX that you have. How are we going to better ourselves for the future when you have people like Sallie Mae that only cares about themselves, not working with their borrowers on what they can afford, and simply just tanking your credit even if youre paying something. If I had to start over and choose a company to borrow money from I would never choose this company. This is why their are so many kids, adults, and young adults who dont go to college because they are afraid of the outcome of borrowing money from a company who will only rip them off in the end like Sallie Mae .
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am reaching out today to inform you of some inaccurate information being reported on the consumer report. According to 15 U.S.C subsection 1861 ( b ) you all do not have permissible permission to report anything on the consumer. Also, according to 15 U.S.C you all do not have written or verbal consent to furnish anything on the consumer report. The following accounts that are inaccurate are as followed : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do acknowledge these inquiries as valid. I do not give consent for them to be furnished on the consumer report. Also, if an investigation is conducted, per the FDCPA the furnishing company must provide the information of the investigating agent, they must check with close family friends and neighbor that knows the consumer best and not just accept a false statement solely from a third party according to 12 CFR 1006.34 and 1006.38. I hereby Demand that the inaccurate reports be remove from the consumer report perpetually.
Product: Checking or savings account

I received communication dated XX/XX/2021 congratulating on opening a checking account with Comerica Bank. I also received copies of sample checks and deposit slips with an account number. Upon receiving this letter, I immediately contacted their office and said I never opened up any account with them. I was told someone would contact me within 24 to 48 hours. I did not get a return call. I called again and they transferred me to their fraud division and left a voice mail for XXXX XXXX XXXX XXXX x XXXX. I was told that the account was closed. Again, 2 days later still no return call. I called again, left another message. His voice mail just keeps saying hes in the office but said if he wasnt there and for immediate attention to call XXXX XXXX XXXX XXXX x XXXX. I contacted her and again received voice mail which stated for immediate assistance contact XXXX. 

On Saturday, XX/XX/2021, I received Your Comerica Access Checking Statement. 

I believe both of these individuals who do not return calls, are part of this scam. This has gone on for too long now. Im asking for your intervention.
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 federally protected consumer rights to privacy and confidentially under 15 USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A States i have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) section sates : no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/2023 I opened up a new account with U.S Bank in XXXX Missouri because I moved the following day to XXXX with my older sister. The reason I opened up a new account is because the original bank I had wasnt up in Illinois it was only available in Missouri. So I opened up the account and it was okay until XX/XX/XXXX, the bank gave me a call saying they needed me to verify my Identity and Proof of address etc. so I went in and did that and they said okay your account should be back on tomorrow, but it wasnt on so I called them and they told me it would take two days. So I waited and then it still wasnt on so I went in and re explained everything and they told me that the proof of address didnt work, so I was originally upset that they didnt call me and tell me that so I was just waiting for it to come back on and didnt know that it didnt even work the whole time. So regardless it didnt work and they told me a couple of different options that I could use for my proof of address, my I explain I am XXXX just out of high school and not even living up here for a week so I didnt have a work pay stub since I hadnt got a job yet and Im not in college etc for my student loans and Im not on the lease since Im living with my older sister. Anyway Ive been on the phone and in and out of the store several times then finally I have a pay stub that I can show them with my address on it, so they scan it and say okay perfect this will work it will be about 2 days. And at this time rents already been due and Ive had no access to my money at all. I cant pull any out either. So I went to the branch manager up here in XXXX and shes been telling me shes never saw a hold on an account for more than three days non the less XXXX XXXX weeks. She said she would email people and what not but no progress has really been made and I need my money and Ive kept my cool as much as I can. I dont know what to do but I need my money its not theres.
Product: Credit reporting or other personal consumer reports

This complaint is a follow up on complaint number - ( XXXX ) the company closed the complaint the next day. Stating -This complaint lists someone the company does not recognize as their customer or their customers authorized representative. If they dont recognize me as a customer or representative of the account .. then why is the account on my consumer report? 
It has come to my attention that I was never provided with an opt-out option regarding this account. According to my rights under the law, I hereby demand the immediate removal of this account, not as a matter of policy but as a matter of legal obligation. 
It is important to note that there is no law that mandates the permanent inclusion of an account on a consumer report once the consumer has requested its removal or the removal of their private information. Failure to comply with this request will leave me with no alternative but to pursue legal action against XXXX XXXX XXXX. 
I wish to emphasize that my intention is not to cause financial harm to any party, but rather to seek a fair resolution in line with the law. XXXX XXXX XXXX, with an annual revenue of XXXX XXXX dollars, must be held accountable for its reporting accuracy. As previously mentioned, the absence of a legal requirement for an account to remain on a consumer report post a removal request places the onus on XXXX XXXX XXXX to address this matter promptly and professionally. I hope that we can resolve this situation amicably without resorting to legal action. 
I anticipate your prompt attention to this request and the subsequent removal of the inaccurate account from my consumer report. I kindly request that you acknowledge this communication at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an accoutn from XXXX XXXX XXXX that is incorrect please correct and update off my report due to id theft
Product: Money transfer, virtual currency, or money service

Zelle and my financial institution failed to adequately investigate my claims. They informed me that recovering lost funds was impossible AFTER sending. Zelle neglected to protect consumers leaving us vulnerable to scams.
Product: Debt collection

I have already disputed this account multiple times, no validation of debt and no response from credit bureaus and or collection agency!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ihavenotbeenprovidedwiththeoriginalcontractwithmysignedsignatureforaccount#XXXXXXXXXXXXXXXXXXXXproperlyverifyingthisaccount.Experianneedstoprovidethatdocumenttome.IftheycannotprovidethatdocumenttheymustdeletethisaccountimmediatelyforNon-VerifiedAccount.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I mobile deposited a check with Chime bank. It's been on hold. It's a payroll check. I've been in contact with Chime and no one can give me a straight answer to why it's being held.
Product: Student loan

I submitted my SAVE plan application to Nelnet in XXXX. As of XXXX they have yet to approve it or let me know what else they need to process it. They refuse to answer any phone calls - wait times are 5+ hours and have not replied back to emails I have sent. They have turned off any social media messaging so there is no way to contact them about this. They placed my loans under forbearance instead of communicating with me and by doing so - my interest is accruing daily. If they simply process my SAVE application, this interest would not be accruing. I am simply trying to make payments but no one will reach back out to me.
Product: Credit card or prepaid card

On XX/XX/2022 I was notified that my account had been blocked due to potential fraudulent activity. I logged into my account and seen XXXX fraudulent charges. I called customer service to start the dispute process. The charges were credited back to my account on XX/XX/2022. The fraud charges posted on XX/XX/2022. A new card was ordered. I called customer service on XX/XX/2022 at XXXX to have my new card unblocked. I spoke with several reps and they are all refusing to activate my account again, they are telling me it can take months for them to turn my account back on while they investigate all fraud that happened on other consumers cards in the same manner as it happened to me. This is absurd and uncalled for. They charge me an annual fee of {$60.00} to have the card. Why would I pay them {$60.00} annual fee when I cant even use the account and at that dont know when the card will be back on. This card issuer does very shady business practices. I want my annual fee waived permanently due to the inconvenience this bank has caused me. {$1000.00} limit and a {$60.00} annual fee when my XXXX XXXX XXXX is XXXX. Thats got to be a joke. I have credit cards with no annual fees and limits high as XXXX on some. Who gives a borrower a $ XXXX limit with a {$60.00} fee with a score of XXXX. I have a XXXX card else where with {$60.00} annual fee, that i see feasible due to a bigger credit line.
Product: Credit card or prepaid card

Syncrony keeps randomly locking my business credit card. The last time they received a payment and would not unlock my company credit card for several days even after they took my money for the full payment. They also on my personal credit card have non approved charges from a scam company that they will not remove and keep charging us for. Please stop these scammers.
Product: Credit reporting or other personal consumer reports

There has been ZERO XXXX XXXX updates to any of the 3 major credit bureaus in almost 4 months, the missed payment in XXXX is also incorrect. My XXXX XXXX no longer shows on my XXXX reports. Equifax shows no payments since XX/XX/XXXX, all my recent payments are not properly being reported. I have called multiple times, I always get told their " activity '' looking into it and to expect an email but it's been almost 4 months with nothing! They are not holding up their end of the cardholder agreement, yet they're still charging me interest!
Product: Debt collection

The collection agency XXXX XXXX XXXX, is harassing me, and refuses to work with me in order to stop the wage garnishment that they are taking from each paycheck. XXXX XXXX XXXX has taken over my student loans from XXXX XXXX XXXX XXXX. 

When I have called them to discuss options for stopping the wage garnishment, I am always given different information, and different amounts I will need to pay before the garnishment can stop. 

I was told that as part of their loan rehabilitation program, if I made 5 consecutive monthly payments, they would stop the garnishment. I was told, based on my income, that I qualified for the minimum monthly payment, {$5.00}. I was not asked about my husband 's income, if we filed our income taxes together or separate, or any of that. I was only asked for MY annual income. 

About a month later, I was told that based on my family 's income, I did not qualify for the minimum monthly payment, so in addition to the wage garnishment, I would have to make monthly payments of around {$90.00}. I told them I could not afford that, and I ended the phone call. 

I continued to make the {$5.00} payments that I had originally agreed to. 

About 5 months later, I called asking them to stop the garnishment, since I had been making the {$5.00} payments every month. I was told that the loan rehabilitation program had not been officially agreed to, because they were unable to send me the required paperwork, since I had previously told them not to contact me, as it was borderline harassment. In addition, they told me I could restart with that program, but I would need to pay {$31.00} a month, while they continued to garnish my salary. 

I told them that I could not afford this, as the cost of my health insurance for myself and my family had gone up. I told them I was willing to pay $ XXXX month, as long as the garnishment stopped. They would not accept this, and I ended the call. 

The company is not willing to work with me, when I have told them that my cost of living has gone up. With my hourly rate of $ XXXX/hour, I can not afford to have 10 % taken from each of my paychecks. I have told them, and shown that I am willing to make monthly payments, but they are not willing to assist me or work with me on this matter.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against LexisNexis and XXXX for FCRA Violations Regarding Inaccurate Bankruptcy Reporting To Whom It May Concern, I am filing this formal complaint against LexisNexis and XXXX due to their continued failure to accurately investigate and respond to my disputes concerning a bankruptcy incorrectly attributed to me on my credit reports. 

Over the past few months, I have submitted multiple dispute requests to both LexisNexis and XXXX, challenging the accuracy of a bankruptcy record that they are reporting to the credit bureaus. This bankruptcy is not mine, and I have repeatedly requested that they provide substantiating documentation to validate their claims. To date, I have not received any such documentation, nor have they taken any corrective action to remove the inaccurate information from my credit report. 

Moreover, my disputes with the credit bureaus regarding this erroneous bankruptcy have been consistently verified as accurate, solely based on information provided by LexisNexis and XXXX. This ongoing failure to investigate my disputes and the continued reporting of incorrect information constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

As a result of their non-compliance and disregard for their obligations under the FCRA, I am now left with no choice but to consider legal action to compel LexisNexis and XXXX to properly address and resolve these inaccuracies. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to ensure that my disputes are thoroughly investigated and that the erroneous bankruptcy is removed from my credit reports. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX had a promotion to open an AXOS XXXX XXXX XXXX account with {$250.00} or more in initial funding and receive a {$75.00} bonus. 

XX/XX/XXXX : I opened and funded the AXOS XXXX account with {$250.00}. Per the XXXX terms, the {$75.00} bonus would post in 30 days. 

XX/XX/XXXX : 30 days have passed and no bonus has posted. 

XX/XX/XXXX : The {$75.00} bonus still had not posted so I contacted XXXX support. From XX/XX/XXXX to XX/XX/XXXX I have had constant back and forth email messaging with XXXX support with them not paying out the bonus, despite me showing them a screenshot of my AXOS XXXX account being opened on XX/XX/XXXX and funding it with at least {$250.00}. XXXX continuously informs me they are waiting for AXOS to confirm that I opened the account. 

XX/XX/XXXX : I messaged AXOS customer support asking them to verify with XXXX that I did in fact open the Savings account. 

XX/XX/XXXX : AXOS responds informing me that the promotion was not being offered by them and to contact XXXX. 

XX/XX/XXXX : I am now filing this CFPB complaint to see if I can reach a resolution with Slickdeals where they pay the {$75.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written XXXX letters on XXXX, XXXX, XXXX and informed them that I am a victim of XXXX, Experian XXXX XXXX security breach. Requested that the following inquiries deleted off my credit report. Experian never responded to me. The inquiries that were resulted from the breach are : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX sent, via regular mail, without my signature required, a NOTICE OF INTENTION TO FILE A LAWSUIT pursuant to Civil Code Procedure 1033 ( b ) ( 2 ) in a Supreme Court for a debt of {$950.00} with a date of default of XXXX/XXXX/XXXX in correspondence under California Law. 

I called the company and only received voice recordings. On XXXX XXXX, XXXX, I spoke with a customer service representative from The Offices of XXXX & XXXX : I indicated I disputed a previous debt with the fraudulent creditor - Cash Central. The Office of Attorney General was contacted regarding this matter. 

On XXXX XXXX, XXXX, I requested written verification of this debt, which The Offices of XXXX & XXXX could not provide, and I indicated a previous dispute of this debt, fraudulent debt, and unfair debt collection practice - past the statute of limitations in the state of California, as they are operating under California Law, and past the statute of limitations for my state of Pennsylvania. The customer service representative refused to be of assistance, yelled at me, and attempted to dominate the conversation. 

No information that was correct could be provided to me verbally or in writing. I stated I am disputing this debt for the second time, and I am filing a consumer complaint with the California Attorney General. I completed this Attorney General Complaint and sent it to the Attorney General, as well as XXXX XXXX XXXX XXXX XXXX XXXX. They were also emailed about the dispute. 

I have written documentation of all the above information sent to this debt collection agency and Attorney General. This debt collector and creditor - Cash Central - need investigated for fraud and unfair debt collection practices. 

Investigation needed on both entities below regarding the above matter : Cash Central Represented By : The Offices of XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX
Product: Checking or savings account

On XX/XX/24, I tried withdrawing {$800.00} from local BOA ATM and the machine did not dispense the money. Screen popped up saying machine having trouble dispensing money this will credited back to your account no receipt no nothing. Then I check my account and it withdrew the {$800.00} out of my account! I called the bank immediately was told it will be credited back to my account in no less than XXXX business days. Told the representative this is very time sensitive because this is my rent money. XXXX business days later nothing credited to my account! Called BOA again and was told no later than XXXX business days!! Then was given another existing claims number to call to supposedly expedite getting the money back. Spoke to another representative who then told me it wont be in til the XXXX!!!!! but I can file another claim to expedite that with an underwriter and that can take XXXX!!!! Completely unacceptable!!! On XX/XX/24 called BOA again still the money is not in my account!! Was told again the XXXX and the claim to expedite sooner was shot down so the XXXX again completely unacceptable!!!! Now over XXXX weeks not paying my rent and XXXX week before XXXX holiday you want to tell I shld probably have it in my account? I am completely disgusted with the way BOA has chosen to handle this after being a customer for XXXX  years! I do not want to bank with BOA anymore!