23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I've discovered that over the previous 2 months, my XXXX XXXX through Wells Fargo has charged 2 bogus interest charges & 1 bogus late fee. I just spent one hour on the phone with Wells Fargo to discuss, and I'm extremely dissatisfied with how it was handled, and I have reason to suspect this may be another institutional fraudulent activity that Wells Fargo may be undertaking. Essentially, Wells Fargo appears to be trying to steal from me by charging interest at the DAY the billing cycle ends, instead of the payment due date the following month. Here is the situation : 1st : billing cycle from XXXX I paid my balance in full XXXX on XX/XX/XXXX, for a bill with a payment due date of XX/XX/XXXX. I got charged interest onXX/XX/XXXX of {$74.00}. Interest was charged for the month, EVEN THOUGH the bill wasn't due until XX/XX/XXXX, AND totally ignoring the fact that I paid in full on XX/XX/XXXX ( and paid in full every month prior ). This bill shows an interest charge of {$74.00} on a balance of {$0.00}. What's incredibly disturbing about this is that, after investigation, the person I spoke with said the interest was charged on an amount of ~ {$3500.00}, and that doesn't tie to ANY balance from the month. It seems abundantly clear they charged an arbitrary amount to my account. 

2nd : billing cycle from XXXX : I didn't pay off this card early, so the ending balance for the month should be {$4400.00}. Instead, the balance includes {$74.00} from the bogus interest charge in the prior month, a late fee of {$29.00} on XX/XX/XXXX for failure to pay my interest charge from the prior month, and a NEW interest charge of {$93.00} charge onXX/XX/XXXXXXXX the DAY the billing cycle ends, even though the bill clearly shows that payment is due onXX/XX/XXXX. And once again, the interest charge was calculated on a bogus arbitrary amount that doesn't tie to ANY balance at any point of the month, The first rep I spoke to kept trying to educate me that interest is charged when payment is late, but refused to understand the situation that was taking place. After escalating ( though refusing to do so at first ), the next person I spoke with at least seemed to understand the situation with the bogus interest charges, but spent some time refusing to escalate a reversal of my late fee, which was assessed for not paying a bogus interest charge. Currently, this situation is under review with a " conflict resolution specialist '' and I am not hopeful at all that this will get resolved. I'm so upset that they are clearly trying to rob me, and the folks I spoke with were unable to give me a reasonable explanation of the charges at all.
Product: Checking or savings account

I made online purchases from XXXX and they send defected products. When I call XXXX to have these products returned for a refund the XXXX representatives tells me to dispute the charges with my Financial Institution. My Bank is Chase and when I contact Chase to dispute the charges Chase gives me a hard time and sides with XXXX and denies my claim. 

I'm filing a charge against XXXX and Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022
Product: Credit reporting

Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a XXXX.
Product: Student loan

I am a federally protected consumer. I, XXXX XXXX was placed into a consumer credit transaction with Navient on XX/XX/XXXX. Pursuant to USC 6802 Navient never disclosed to me I had the option to opt out of this transaction being reported. The Fair Debt Collections Practice Act is intended to secure my right to privacy and my privacy has been breached by Navient. I mailed an Affidavit of Truth on XX/XX/XXXX with attached Exhibits A-Y showing proof Navient is in violation of 15 USC 1692f ( 8 ), 15USC1692e ( 9 ), 15USC 1692e ( 1 ), 15 USC 1692b ( 5 ), 15 USC 1692e ( 2 ) A, 15 USC 1692d ( 2 ), 15 USC 1692e, and 15 USC 1692h.
Product: Checking or savings account

I am a member of schools first federal credit union and before my family all passed away during XXXX  we did a living trust, I tried to do everything correctly and the last thing they wanted was me as a beneficiary on the accounts. They wanted my XXXX XXXX to come into the bank to sign papers but due to her illness and a global pandemic she was not allowed to leave her home. The bank said they would mail the required paperwork in XXXX of 2021 XXXX weeks later in the beginning of XX/XX/year> I called them as I did not receive the paperwork. At this time I was informed this could not be done and again my grandmother had to come in and I explained that she could not. Shortly after my mother passed away and I could no longer follow up, a few months after my grandmother also passed away I went in to the bank with the living trust and they said I had more than enough to prove the living trust is valid but they would make me go through probate anyway. I was diagnosed with XXXX shortly after and had to have XXXX and have been in probate court for over 3 years. I tried to do everything correctly and legally and these people made an already horrible situation a living nightmare for me that is ongoing. They offered me little to no help. This should not have been allowed to happen to anyone. Especially during a global pandemic.
Product: Checking or savings account

There may be nothing that is possible to do, but I'm submitting this complaint on behalf of myself and on behalf of anyone else impacted but voiceless : I had a checking account and a savings account with Bank of America. In 2021, during the height of the COVID pandemic, I needed to transfer funds from my savings to my checking more often that is apparently regarded as appropriate for the powers-that-be at Bank of America as my savings account was changed into a checking account -- which was then subject to the monthly maintenance fee. By the end of 2021, in other words, I now had two checking accounts with Bank of America -- both subject to the monthly maintenance fee -- on top of the stress life heaps on anyone during an international pandemic. I want the money they took back. 

There seems to be something distinctly inhumane in this business practice -- and I'm hopeful something can be done -- but more specifically I'm wondering if there was any kind of moratorium on these kinds of " business as usual '' practices during the vulnerabilities of the pandemic that might have precluded an entity from taking punitive measures -- such as penalizing an account holder for transferring money between savings and checking accounts, even if that is Bank of America 's " normal '' policy. 

Please advise.
Product: Credit reporting or other personal consumer reports

I got accepted to attend the Art institute  around XX/XX/XXXX, and I first XXXX XXXX XXXX XXXXXXXX of that same year. In XX/XX/XXXX the Art institute sent us a random email telling us they were closing down All of their locations without no previous heads up or anything. I never understood the point in accepting students in that same XXXX month window in closing down. I took out loans with them not knowing they were going to close down on us. On XX/XX/XXXX the XXXX XXXX announced immediate federal loan forgiveness for over XXXX former The Art Institutes students . Quoted by the President himself, Today, my Administration is approving {$6.00} XXXX in student debt cancellation for XXXX borrowers who attended the Art Institutes. This institution falsified data, knowingly misled students, and cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN HACKED AND MY IDENTITY HAS BEEN ASSUMED BY OTHERS. GOOGLE SEARCH  AND WALLET ETC... HAS HAD STRANGE ACTIVITY FOR A LONG WHILE NOW, BUT HAS BEEN OVERT IN RECENT MONTHS. I HAVE AN XXXX BUSINESS ACCOUNT I AM NOT AWARE OF, I HAVE NO VEHICLE. MY XXXX XXXX XXXX  HAS BEEN CLONED, AND IS ASSOCIATED WITH A XXXX ACCOUNT. I HAVE PODCAST ACTIVITY AND AN ACCOUNT WITH XXXX THAT I AM NOT AWARE OF UNTIL RECENTLY. I HAVE A HOLD ON MY CREDIT REPORT THAT I PERSONALLY DID NOT REQUEST. MY XXXX XXXX HAS BEEN HACKED AND MY XXXX WIFI, AT ONE POINT I WAS THE ONLY ONE WITHOUT WIFI IN MY APT COMPLEX, THIS SITUATION HAPPENED IN XXXX, TX WITH XXXX, BEFORE MY ILLEGAL FORECLOSURE WITH XXXX XXXX, XXXX  CUT OFF MY INTERNET AND I WAS THE ONLY HOME WITHOUT IT. I HAVE MOVED FROM XXXX XXXX XXXX TO XXXX  AND THE SAME THINGS KEEP HAPPENING TO ME. I HAVE REPORTED TO LOCAL AUTHORITIES IN TX, FBI, CIA and the WHITE HOUSE DUE TO HAVING MAJOR ISSUES WITH XXXX DOD, DOL, USPS and OWCP. I HAVE INFO IN MY PHONE OF STRANGE HAPPENINGS, ANY HELP WOULD BE GREATLY APPRECIATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX.Dispute XXXX XXXX, XXXXUnder Dispute XXXX  XXXXUnder Dispute XXXX  XXXX  XXXX XXXXUnder Dispute US DEPT OF ED/XXXXDispute all ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both Equifax and  XXXX . I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education, a nd NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.
Product: Checking or savings account

My Upgrade Rewards checking account was credited XXXX cents as cashback for the month of XXXX. I received an email notification on XXXX at XXXX XXXX  that the amount was credited to my account. But that amount never showed up. I contacted Upgrade  by phone on XXXX and the service representative had no idea why the amount wasn't showing up and asserted that they could do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into an agreement with Sears Home Improvement for siding to be installed on XX/XX/2019. I cancelled the contract within the limit allowed by my state. I was approved by a finance company, approved through Sears Home Improvement for the loan, to have siding installed, which I also cancelled. An inquiry appear in my credit report for a Sears Home Improvement credit card on XX/XX/2019. I did not apply for the card nor gave permission to apply for the card on my behalf. This was done without my knowledge. I signed a document, that I can no longer access, that only gave Sears Home Improvement permission to gain financing which was approved when application was submitted. The credit card had no baring on financing for the siding. I contacted the credit card issuer and told them that I wish to cancel the card and this was fraud. I have since destroyed the card. The issuer have not cancelled the card and is not reflected in my consumer credits reports. I reported this to all three credit reporting agencies and no fraud alert has been set and they have found that the inquiry and credit card were reported accurately. During the meeting with the salesman, there was no mention of a credit card. Due to a death, there was a delay calling the issuer. This should have no effect on my request to cancel the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported to the credit bureau that I made 3 payments that were past 30 days. 
This is wrong as it was during Covid in which the company allowed me to defer my monthly payment. 
I spoke to the customer service person many times during that period ( XXXX, XXXX, XX/XX/2020 ) and they reassured me that I didnt have to make my standard monthly payment. 
I then see they reported me late for those 3 months. Those 3 delinquencies lowered my score by almost XXXX points. 
I tried calling XXXX to ask them to reverse this but apparently they have taken no action. 
I have 100 % on time perfect payment record on all other accounts except those 3 and its very frustrating as you can imagine. Especially now that Im looking for a mortgage as a first time home buyer.
Product: Mortgage

I am a XXXX year old female, retired. Due to decreased income and health concerns, it became increasingly difficult for me to make my mortgage payments. After almost two years of applying and re-applying with XXXX XXXX XXXX, I entered a trial modification period and received my permanent loan modification documents in XX/XX/XXXX My loan was purchased by Carrington Mortgage company, and I began making regular payments to them from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I received a Foreclosure Intent letter from Carrington. I was informed that I do not qualify for a HAMP loan modification. I was told that I could re-apply for a non-HAMP modification. I can not begin to tell you the stress that this has caused me. It has affected my XXXX health. I feel like I have gotten the run-around and do not trust anyone at this point. My mortgage payments for the past 9 months have been drafted from my checking account, but they have NOT been applied to my mortgage. This is disconcerting. In addition, I am continuing to accrue late fees and penalties on my mortgage balance. I am unclear as to my rights at this point. I am worried that I will lose my " dream '' home that I built and had planned on staying in until my passing. I am hoping that you can help me. 
Sincerely, Concerned Homeowner
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXXXXXX XXXXXXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Mortgage Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

Judgement that I was never served. Company changed mortgage from FHA to conventional without my knowledge. Amount saying I owe is over the value of the home.
Product: Debt collection

TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA The above company reported to XXXX  that I have a {$130.00} unpaid debt in collections. 
I have no unpaid debts in any type of collection process nor have I received any communication from this company.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Product: Credit card or prepaid card

Per XXXX Submitted to the CFPB on XX/XX/XXXX. American Express did not not update me in the 60 days, by XX/XX/XXXX, in which they stated they would do in their first response. 

In Summary of the complaint : In the Month of XX/XX/XXXX I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them stating I owe {$3700.00}. 
The cause is that in XX/XX/XXXX I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00} to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX  which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. The discrepancy occurred in the Month of XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/XXXX per Reference : XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 2 ) XX/XX/XXXX per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION. I have called American Express several times to explain the situation and they only seem to send me my complete XXXX statements. Unfortunately, they will not look at the XXXX file as proof of this error and they only rely on their Statements which are part of this error. To further my troubles the American Express agent told me that there is nothing I can do to fix the discrepancy between the XXXX and the PDF 's and I should just pay the amount they see as owed. I estimate that I have spent 11 hours on the phone with American Express and 5 hours on my own time figuring out what the root cause may be. At this point I would like American Express to find where the discrepancy is between the American Express statement and the American Express XXXX file. I do have a statement from my certified public bookkeeper that supports my case in the American Express has performed an accounting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX   XXXX , Equifax and   XXXX    will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       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   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  Delete all my unauthorized inquires from my credit report
Product: Student loan

I was given advice by the lender in consolidating my loans. This advice impacted me in a negative way. First, the interest that I had accrued by that point was automatically capitalized making the student loan compounding. Secondly, the interest rate was simply averaged out over the loans. I could have paid higher interest loans off earlier helping me get out from under the debt. I know more now, but I was misled by the loan servicer through the consolidation process. I was never told by the account rep during our conversation that the interest would be capitalized. 

Date and actions On XX/XX/2015 the total of {$19000.00} was capitalized and I began paying interest on that amount. This was due to consolidation. That was an amount already interest with zero benefit to me as a debtor ( other than having a single payment vs multiple ). 

I am also unclear on why the amount went from XXXX -> XXXX during the consolidation process ( XX/XX/2015 )