23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I noticed that unfair credit practices happened with XXXX and TransUnion. I have been working to pay debt off in order to have a better credit score so I may be able to have low interest rate on a car and to also be able to have housing in a good area for my children. For the last 2 years I have been poring off debt and notice a descripency in the points that are added into my account. Because of this my credit has stayed in poor status causing me to be in areas unsafe for my children due to being denied housing due to low credit score. I recently paid off a credit card by {$240.00} dollars of a XXXX dollar limit and was only given 7 points for paying credit off. Months ago they gave me XXXX points just for paying down credit card by {$120.00} dollars. It looks like an unfair practice for me to have minimum debt and a low credit score. Please help in the ensuring fair practices are happening.
Product: Credit reporting or other personal consumer reports

In regards to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Experian, XXXX and XXXX has violated the Fair Credit Reporting Act ( FCRA ) concerning my credit report. The FCRA states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. Experian, XXXX and XXXX did not and does not have any consent from me to furnish this information. FCRA also states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items and are reported again without my permission which is against the law. 15 U.S. Code 1681e states ''. FCRA states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian, XXXX and XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of Experian, XXXX and XXXX 's reporting services.
Product: Debt collection

I tried to contact American Express directly because I knew I was late because a client had not paid me and I have now had to file a lawsuit. American Express said I was a day late and they had sent me to collections and they could not help me. At that time the amount was around {$40000.00} but I could not even confirm this amount and they said they tool almost XXXX in points. On XX/XX/2020 I received a debt collection letter from XXXX XXXX which said I owed {$52000.00} which I had paid {$12000.00} directly to AMEX. Then on XX/XX/2020 I received a notice that I owed {>= $1,000,000}. These amounts were disputed and now I am getting debt collection notices from XXXX XXXX , XXXX saying I owe {$44000.00}.
Product: Debt collection

XXXX XXXX XXXX. XXXX XXXX. {$100.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Product: Consumer Loan

This issue is with Wells Fargo Bank. Unfortunately, I am a Wells Fargo customer. I got a promotion letter in the mail from Wells Fargo to apply for a Wells Fargo Discounted loan starting at 6.99 %. I go online to apply and the interest was at 8.97 % because I had excellent credit at XXXX credit score. I have no credit cards. I needed the loan for my wife 's XXXX that was n't covered by insurance. I get a call that the loan is approved and to come by the branch to sign the paperwork and obtain the funds. Nothing was mentioned to me about interest rate or payments. I go into the branch and low and behold I am blindsided by the banker with an interest rate of 13.99 %. I voice my displeasure and the banker makes a phone call. The manager says that is the best we can do. I had no choice but to sign the paperwork because it was too late to get the funds elsewhere in time for my wife 's XXXX. I did n't ' let this go and went up the chain. Someone in Iowa reached out about 7 weeks later and said sorry that is the best we can do. I believe that Wells Fargo committed Fraud here to obtain my business. They did the classic bait and switch option here. No wonder there new accounts are done by 41 %. This is truly unacceptable customer service by Wells Fargo. This is not the way to treat a Wells Fargo customer. I feel that took advantage of my situation because I need the loan funds to pay for my wife 's XXXX. Just plain not acceptable at all!!!!
Product: Credit reporting

HI, I had been to the hospital on XX/XX/2016, i gave the insurance details to the hospital later and i didnt hear anything from the hospital and never got any news from hospital.Later by XX/XX/2016 i called the hospital and gave my change of address information to the hospital also ensured that the hospital has insurance details. After that they told they will contact insurance company and then get back to me but have not hear anything from them. 
I was waiting for bill, and now i see there is outstanding of {$150.00}, i am not sure why no one contacted me as i have provided everyone my change of address as well as phone number. 

I do not agree to this collection, i wil pay {$150.00}, please let me know how do i pay them and also please remove the admended score.
Product: Debt collection

This alleged account shows charged off on my consumer reports. I am requesting information from the alledged creditor. I need any documentation proving that the debt has been sold and charged off. I also want to know the amount it has been sold for and whom it has been sold too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. 
XX/XX/XXXX I started the process with my background check with First Advantage on I am trying to get hired with XXXX XXXX who uses First Advantage as their vendor for the background checks. 

By XX/XX/XXXX I still hadn't received any information back about my background check. I called First Advantage who told me that my background check was still not completed at the State of Ohio. I continued to call daily to check on status. 

XX/XX/XXXX I began calling State of Ohio for an update. State of Ohio told me that they had sent the background check back to First Advantage on XX/XX/XXXX. 
I relayed this same information to First Advantage who said they would have to check internally with their Ohio division. 

XX/XX/XXXX I spoke with a manager at First Advantage who said he would escalate this to the Ohio Division and get back to me. He never got back to me as promised I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and can not get through to a manager and continue to be told the same messages- which are " we are waiting on the state of Ohio '' or " we will have to check with our Ohio division '' or " we will have a manager call you back within 30 minutes '' which never happens. 

It has now been 58 days since my background check was submitted. I have now been without a job for 58 days and I have not applied for any other job because I am wanting to be ready to start with XXXX XXXX as soon as my background check is completed. I am now running out of money and in jeapordy of having to delay paying bills or having to ask family for money for food, bills, etc. 

Can someone please escalate this and have First Advantage respond so that I can get cleared to start my job?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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
Product: Credit card

IKEA Projekt Credit Card issued by Comenity Capital Bank They are overcharging interest by offering various interest rates on different payment plans, then misapplying payments such that it's next to impossible to pay off the balance that's accruing the most interest first.

Even as a lawyer, I find the monthly statements indecipherable.

Comenity Capital Bank is abusively charging excess interest to clients by not apply payments to highest interest bearing balances first.

This is grounds for a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint to properly notify the credit reporting agencies of the pending disputes with the listed company that the credit reporting agencies falsely furnish on my report. On XX/XX/2022 the listed company was given notice pursuant to 15 U.S. Code 1602 ( k ) - the company never provided adequate notice which clearly and conspicuously mentioned the pertinent facts of these transactions causing me to make an uninformed decision. Further, the only evidence of indebtedness provided was just a computer-generated agreement. There's absolutely no way a computer generating a bunch of generic agreements is creating adequate notices, or agreements that everybody can understand. Lastly notice was given to the company listed for their unauthorized use which is defined in 15 U.S. Code 1602 ( p ) use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. And the credit reporting agencies are complicit and continue to violate my privacy by disclosing my nonpublic information. You might want to remove the accounts because you will be held accountable just like the companies listed. If you have any questions contact me at XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my Experian credit report, I discovered multiple accounts and hard inquiries that I did not authorize. I have been a victim of identity theft, and fraudulent accounts have been opened in my name without my consent. 

The following unauthorized accounts appear on my Experian report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, my Experian report contains the following fraudulent hard inquiries that I never authorized : 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 never applied for any of these accounts or permitted these inquiries. As a result, my credit score has been negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with a mortgage company for 1 week and a half now and they are unable to pull my Equifax credit score. 

I phoned Equifax on XXXX spoke with a representative who stated there was nothing on their end that was causing the problem. No freezes or fraud warnings the company should be able to get the credit score. 

Phoned Equifax again on XXXX as unable to pull the score. Again, as noted above they stated that all information was correct and the company should be able to pull our score. 

Phoned Equifax again on XXXX. I verified that my address online with them and the address my mortgage company was submitting is the same and correct. Still unable to pull my credit score- on the phone with a representative for 30 minutes trying to see what is going on. They were still no help, stated the mortgage company should be able to get the score. 

Phoned Equifax again on XXXX as the mortgage lender is still unable to pull our score. They have spoken directly with the company that pulls the credit, they stated that I need to contact Equifax again as it is nothing on their end. 

If I don't get this resolved I will miss out on the property we are wanting to buy to build our home. This is absolutely ridiculous. No one is helpful at all at Equifax customer service.
Product: Credit card

I have a 0 % APR promotional balance transfer on my credit card with Citicard. In the same billing period, I made additional purchases besides the balance transfer. I paid the minimum amount due from the monthly statement, PLUS the entire amount of the non-promotional purchases. Citicard charged me interest, saying that it was because I had not paid the statement balance in full, including the balance transfer amount. When I referenced the CARD act provisions that say that any amount paid above the minimum amount due must be allocated to the highest interest balance ( i.e. the new purchase balance and not the balance transfer ), they said I was wrong and expressly stated that their policy was the opposite. I want to make sure I 'm right in that I should not have been charged interest. I saw there are exceptions to this for special debt payment agreements, but I do n't think my account falls into this exception. Furthermore, the customer service rep would not explain the math to me of how they arrived at the interest charged - it does n't make sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX
Product: Student loan

Hello. I have reached out to Advantage multiple times. The XXXX most recent were XX/XX/year> and XX/XX/year>. I am continually receiving emails that referencing someone that is NOT me. My email should not be associated with anyone else 's account. 

Aidvantage is attempting to reach my father, yet he is deceased. Specifically today, XX/XX/year>, I called the Aidvantage customer service line. I was initially answered by one person, who transferred me to someone they believed could resolve my issue. This representative 's ID number was XXXX. 

I stated I do not have any of my father 's information. I do not have his SS number or death certificate. I do not even live in the same state as he did. If my information was mentioned in his account, I did not authorize the use of my email. The Aidvantage customer service worker would not transfer me to anyone who had authorization to remove my email from someone else 's account. Said worker did not in anyway attempt to help. I was put on several holds, which I expected as I was waiting for someone to give advice to the worker. At the end of the call, the representative chose to end the call and hang up on me, rather that continue to look for solutions to my issue. In no way, shape, or form should I be receiving emails for someone that IS NOT ME, is DECEASED, nor DID NOT HAVE AUTHORIZATION to use my personal email. I am extremely frustrated with the lack of concern Aidvantage representatives have for their customer 's issues.
Product: Checking or savings account

Hello I was recently victim of a work at home job scam which eventually lead to the closing of my bank account being closed. My bank ( Wells Fargo ) had put a check through which I received at the inception of this scam but lead me to believe that this entity was legitimate. Especially since I had recently been informed of a charge in XXXX which they contact me on and I denied so they closed my account with my permission and sent me a new card with a new ATM number and also, I am going through a separation/divorce and my partner deposited funds on the second settlement from a savings account rather than the checking he normally did and the bank froze the funds for 7 days. With this kind of protection in the recent past I assumed that when the check cleared from the unknown scammers it was a sign that the bank authorized it and it was a legitimate account. After the so-called job HR person had me transferring funds via money apps I figured something was not right. Three days later my bank sent me an email telling me they closed my account and the check was a fraud.

I contacted them and told what happened and they reopened a new account for me but placed the fraud check charges into my new account as a debit and has left me negative and anything I deposit as payment for this scam. I have sent them all of the documentation of the scam and asked for a manager to contact me ( see below ) but received no response. 

What can I do? 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX mobile. XXXX email. XXXX Email to Wells Fargo Online Fraud Department : Dear Online Fraud Department, I called on Friday to request that a manager call me regarding several claims that are being investigated due to a work scam I fell victim to. At the present time my account ( ATM # XXXX XXXX XXXX XXXX ) is in a negative balance due to transfer done using apps and cash at an XXXX atm. The whole start of this process began when a check was deposited by myself via mobile app ad was approved by Wells Fargo it was that moment when I assumed that the individuals I were dealing with were legitimate. I have had experiences with Wells Fargo where I was protected immediately one a deposit from my husband for a settlement that was made from a different account and these funds were held for 7 days. Another is a call from Wells Fargo where some activity was occurring in a foreign country and I was contacted and the charges were stopped and my account closed and a new card issued. 

I find it hard to believe that a fraud check would not have been caught within the days that it took to contact me regarding these scammers. 

I am now in the process of a divorce and limited on funds and my account has already begun sending back charges due to the negative amount from this scam. 

I would like to speak to a manager and go over what I feel, as a member of Wells Fargo for over 25 years are having to feel the impact of a scam. 

Thank you for your time and attention. My contact info is below.
Product: Credit reporting or other personal consumer reports

I recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XXXX
Product: Credit card

In approx. XXXX, I opened a Wells Fargo credit card with a credit limit of {$4500.00}. I paid my monthly payments every month on time and most months I paid more than the minimum amount due. 
In XXXX of XXXX, my area of XXXX Florida was affected by Hurricane Irma. Due to raising a small child, the cost of preparing for this hurricane was creating a financial burden. On XX/XX/XXXX, I received an email from Wells Fargo Hurricane Irma Support ( attached ) stating that I may qualify for payment relief for 90 days. I was hesitant but called and spoke with a representative. Because I was in the direct impacted area of Hurricane Irma, I qualified for the 90-day payment relief, waiving of late fees and a pause on interest. I was advised that my payments would resume in XXXX of XXXX. 
A few weeks later I started to receive calls and emails that my payments had been late ; at this time demanding interest and fees that I simply did not have. I explained the agreement and the Wells Fargo representative would not talk until I made a payment. In XXXX of XXXX, Wells Fargo was demanding over {$1500.00} from me, just to even speak with a representative. In XXXX of XXXX, Wells Fargo closed out my credit card. 
In XXXX of XXXX, I started to receive advertisements in the mail for attorney representation. I went to the XXXX XXXX XXXX XXXX XXXX XXXX website and seen that on XX/XX/XXXX, Wells Fargo filed a civil complaint against me for non-payment of the credit card. I immediately reached out to the attorney that was representing Wells Fargo ( email attached. ) My email to this attorney went unanswered. I then began to consult with attorneys and reached out to Help Me Howard for assistance. Unfortunately, I was not able to financially hire an attorney.

Please see emails and civil complaint attached. The civil complaint will show that in XXXX of XXXX, Wells Fargo was stating my minimum payment due was over {$1500.00} and included interest and late fees. 
Had I had known Wells Fargo would not have lived up to their agreement on Hurricane Irma Support, I would have not accepted this support and would have continued to make the minimum payments as I had been doing. Wells Fargo set me up to fail, did not abide by their agreement, charging me erroneous fees and undue hardship to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called   XXXX   for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :  XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX
Product: Mortgage

I had applied for refinancing my apartment loan with Capital One Bank. 
After I went through the entire process, provided all documentation ( tax return of 2 years, COOP share certificate, 8 years Government Civil Service employee and salary proof ) requested by them, paid the fees {$250.00} for appraisal, {$200.00} for their COOP board evaluation, after a month and a half with back and forward, they sent me an email indicating that I had been denied because the COOP insurance does not cover three months of maintenance which is required by XXXX, and no bank would refinance it. 
They indicate that if the COOP would pay a little more of insurance, than they would approve. 
They also told me that I will not find another financial Institution that would refinance it. 
I went to my COOP board and they indicated that they never heard anything like this before. They indicated that many people already had refinanced recently at our COOP with no problems. 
I do not think this is right and apparently there is nothing that I can do about it. 
I had spent my money ( no refund ), my time, my truth with the best intentions of making my American dream to become true in 15 years, instead of 30 and in one line of an E-mail, it had been taken from me with no reasonable explanation
Product: Mortgage

My mortgager is foreclosing on my loan. I have been trying to rectify the problem, directly. 
I 've had no luck in getting any response. A friend suggested I try here before my trial. I have a trial for foreclosure on XXXX XXXX 2015. That is XXXX days from now. Can your help me to get a continuance on the trial. I have, again filled out the paperwork for modification of my loan!
Product: Student loan

When my loans were transferred from XXXX XXXX the balances increased greatly. The monthly payments are so high that you ca n't pay them and still live. It is also very difficult to get help when you contact Navient.