23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This has happened multiple times now, where my account is put in administrative forbearance, I receive communication that during this time XXXX interest will accrue, and yet they still ADD interest to my balance. On XX/XX/XXXX I called Aidvantage to ask about the increase on my loan and was told interest was added. I asked why it was added when I received a letter saying no interest would be added. I was told they add it anyway. I asked for documentation and calculations on how the interest was calculated and they said that could not be provided. I was shocked they can add interest and NOT show how they calculated the interest or without notification after lying in their letters stating 0 % interest would accrue. And now most recently they did it AGAIN. My balance was as of XX/XX/XXXX ( I have the screenshots to prove it ) was {$220000.00} and now they have added interest without notice and without showing how it was calculated. It says my current balance less than a month later ( while in administrative forbearance ) is {$220000.00}. That is {$1100.00} increase in less than a month!!! The account says no payment is due and yet they continue to charge interest. This is FRAUD. How can we be expected to pay back loans when lenders are pulling this XXXX on hard working folks trying to pay down their loans?? 

The last communication I received from them was XX/XX/XXXX stating change in loan terms and yet my account shows administrative forbearance with both no notice and is accruing interest while it says no payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$6500.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$7800.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00}
Product: Checking or savings account

Reference Complaint No. XXXX On my previous complaint I stated how my checking account had a number of fraudulent charges from ( unknown to me XXXX locations in XXXX and XXXX along with a charge from the franchise tax broad, XXXX of which I had resolved with the tax broad on my own and the funds had been placed back into my account by the tax broad ) and deduction/withdrawal errors by WellsFargo which put my account in the negative. The deduction errors by WellsFargo occurred during the same time that the tax broad refunded the withdrawal they had made from my account. 

Now, on this morning XXXX XX/XX/2021 ) I called the bank to check the balance on my account only to find out that it is back in the negative again. 
I immediately went online to see what the issue was only to discover that WellsFargo has removed funds out of my account again without any notice to me.

My checking account balance is now - {$400.00}. The bank has not even given to me a comformation on the fraudulent charges claims of which I submitted, per my initial complaint. The new deduction to my account from WellsFargo states that the charge was deducted on ( XX/XX/2021 XXXX and the posted transaction shows ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM XXXX ), and the amount is {$410.00}. 

There are no details of exactly what the charges are/or what merchant these charges are from.

I would like to know from WellsFargo exactly from which merchant is trying to reverse charges back to me because, as stated in my previous complaint I do not have any dealings with any merchants in XXXX or XXXX. Therefore, I am requesting that, in order to eliminate another negative balance on my account WellsFargo reinstate the funds of {$410.00} back into my account.
Product: Payday loan, title loan, or personal loan

This company refuses to let us into a hardship program, all while violating our rights. 

Because of XXXX and the microchip shortage, I was forced to leave my position as it was costing me money to work. Throw in my grandmother is in hospice care. Which me and my wife do provide her money to pay for rent, and other services related to her needs as POA for her, its been a huge financial burden. 

Weve been trying for the past year and a half to get this handled with Aqua Finance, but they said we have to let our account go Delinquent before they would provide assistance. 

How is that going to help our situation? It will make exponentially worse in the long run, we asked for a Financial hardship, they said after reviewing our current income that we cant be helped. 

How can that be the case? Were struggling to pay for a WATER SOFTENER when my grandmothers meds are way more important then some scummy Finance company getting its money. 

They keep asking for detailed records of our Finances and other things that are well without the scope of normal. 

This is the only Finance company that has refused to help us, even XXXX XXXX was able to get my Apr reduced and a monthly payment that fit our needs. 

This company doesnt deserve to be in business when they could care less about destroying a familys financial situation over a water softener.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXXXXXX XXXX credit card company made an agreement and accommodation on my account to waive two late payments for XX/XX/XXXX and XX/XX/XXXX and retract two associated late payment fee amounts of {$40.00} each relating to the two late payments in prior months during the time in which I was in good standing with a XXXX balance on XX/XX/XXXX. They did agree to waive these missed payments in good faith due to the circumstances related to covid that caused me to get behind these two times, also considering my record of on time payments for the last 3 years with them. 

After reaching out to them and making them aware of The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ) and how it addresses accommodations to consumers impacted by XXXX. I disputed my credit report because they continued to report both months that they accommodated under the status " 1 : 30-59 Days Past Due ''. However section 4021 of the CARES Act, Pub. L. 116-136, states that such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract should be reported as current according to the following : Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, and ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. 

The dispute on my credit report for the reporting status was not handled correctly with XXXX, Equifax, or XXXX and they each continue to report the accommodated months on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX as 30 - 59 days Past due instead of current despite the CARE Act consumer reporting requirements.
Product: Debt collection

Alled collection calling me to collect a debt from XXXX yrs ago 1997. They could not tell me if the debt was mine or my ex husbands.
Product: Credit card or prepaid card

I was sent a referral link for an American Express Platinum Classic card with a XXXX point bonus welcome offer, and {$200.00} cash back from a friend. This offer is commonly found on the web at the time of this writing. When applying for the card online I received a message saying I am not eligible to receive this welcome offer, with no explanation as to why I could not receive this offer. The fine print said Welcome offer ( s ) may not be available to applicants who have or have had this card. I do not have any card in the Amex Classic credit card line. I was approved for the card. 

I called customer service a few time to understand why I couldn't get the welcome offer and none of the agents were able to give me an explanation. They did say I could accept the card and then find out after I receive the card, but still will not be able to get the welcome offer. 

When I apply for the standard welcome offer through login into American Express I am able to receive the welcome offer for XXXX points. Pre approved for the card. 

It would be more understandable if I couldn't receive any welcome at all. And was given information as to why some people are not eligible for the offer ( s ). Instead I was only able to receive the lowest offer. It feels like the company is falsely advertising Welcome offers, to insist customers for applying to the card.
Product: Mortgage

The Underwriter purposely gave me a non-payable and detrimental repayment option in-lieu of a Loan Modification after my XXXX loan completed a Making Home Affordable Loan Modification. Quicken Loans attempted to take the needed savings from the Making Home Affordable Loan Modification for themselves, even though I am already in a repayment plan with Quicken Loans. They offered me to pay them back at {$1500.00} per mo. 

I presented this option to my HUD Counselor and Financial Adviser and they both agreed that it would put me in immediate default if I sign the repayment agreement. I let Quicken Loans know this council and the said sorry, this is our option. I then asked how this is a benefit and a help? They said you get us paid off in 12 months instead of 48. 

So I told Quicken Loans : My professional counselors have determined that by Quicken Loan 's proposed repayment plan is a guaranteed default and extremely risky to me and my family. I will decline this repayment plan by the professional counsel given to me and I ask you to consider a real and helpful loan modification and not repayment plan that is worse than I already have. 

They then said we are closing you file because you declined our proposal.
Product: Credit reporting or other personal consumer reports

Please remove inaccurate, unverifiable, unauthorized information on my credit report XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX Opened:XXXX Balance : {$180.00} XXXX. ) XXXX XXXX Opened:XXXX Balance : {$840.00} XXXX. ) XXXX XXXX XXXX OpenedXXXX Balance : {$1200.00} XXXX. ) XXXX  XXXX XXXX Opened:XXXX Balance : {$1100.00} XXXX. ) XXXX XXXX XXXX Opened:XXXX Balance : {$450.00} XXXX ) XXXX XXXX OpenedXXXX Balance : {$8600.00}
Product: Mortgage

We did our due diligence in searching for a lender to refinance our home with and found Intelliloan.com through another online service XXXX. Intelliloan seemed to have good reviews on multiple sites and so we reached out on XX/XX/2019. At this point we had already received 3 other quotes on a home loan and we informed XXXX XXXX ( Home Loan Specialist ) who was working with us at this time. On our initial phone call with XXXX, we disclosed our income, assets and gave information regarding other competitive quotes we received. XXXX assured that our initial debt to income level looked good. Later that day we uploaded to their portal all the requested supporting docs that showed our current income, assets, debts, etc. After review, XXXX sent over this email ... ( " Thanks so much! I just went through the uploaded documents and everything looks good! '' ) XXXX later sent over a formal quote with " locked '' rate based on our disclosures. Because of Intelliloan 's competitive offer and a locked in quote, we decided to move forward and order the appraisal to continue to loan approval process. This is where we chiefly fell victim to Intelliloan 's bait and switch tactics because the entire offer completely changed from this point on and this gets to our two main complaints against Intelliloan. First, Our thorough disclosures that were provided to Intelliloan at the start should have been sufficient to provide an accurate " locked '' rate and quote. The initial offer was for a loan rate locked in at 3.625 % on a 30year mortgage. Regrettably, after getting what we thought was an assured offer and locked rate, we stopped communicating with other lenders ( including our own bank ). Again, this is where we fell victim to Intelliloan 's bait and switch because later they would amend their offer to a 4 % rate on the 30yr mortgage. Secondly, our complaint against Intelliloan is due to their lack of addressing our repeated attempts to get a completed appraisal. We paid {$450.00} for the appraisal ( to Intelliloan ) on XX/XX/2019 and appraisal was completed at our home the following week. There were multiple red flags when we reviewed the appraisal report, chiefly that the appraiser had included a " comparable sale '' of a home that was still an active listing on the market ( it was not a sold home ). We made multiple contacts to Intelliloan to get this resolved. Ultimately, we discussed this with XXXX XXXX, Sales Manager, who never would address our specific concerns about an incomplete appraisal that included an active listing as a comparable sale. We were also provided a copy of XXXX XXXX XXXX evaluation of our appraisal which showed that it was a " high risk '' appraisal ... basically showing it was illegitimate and incomplete. We requested a refund of our {$450.00} appraisal fee since they would never get this completed ... and, ultimately, Intelliloan will not return our communications. We have given them sufficient time to respond and make this right, however, we must now file a formal complaint because of their fraudulent practices.
Product: Student loan

i never attended XXXXXXXX university in XXXX XXXXXXXX missouri for the classes that they are claiming i owe for. i attended the XXXX XXXX XXXXXXXX university that was closed down and is now a non existent school and since the dismantling of the extension school i am told nobody can help me get my transcripts and now the school has without my express consent to have my debt, and personal information handed over to a collection agency i never have done business with and i will not be willing to because i didnt agree to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX  # XXXX has violated my rights. 15 U.S.C 1681 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  XXXX XXXX and had spoken with a supervisor today. The supervisor was very helpful. And she also gave me detailed info about communication attempts for an income Affidavit sent. I both mailed and faxed over proof of income. I also sent over assistance proof for supplemental food payments, housing assistance, and energy Bill assistance via mail and fax. I called after I noticed that XXXX XXXX XXXX was reporting XXXX behind when I never committed to a payment due to employment not being gainful due to failed attempts to contacting me. The email and number on file were not active and/or able to be accessed. I appreciate the clarification of information from the supervisor on todays call, I was just taken aback when she notified me of a letter I never received communicating that I will have to pay the balance in full. I never received it to the address on file. I still currently live at the same address. Full payments always evokes a sense of urgency in me. So, I know I never received the letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to information and score provided to XXXX XXXX by ChexSystems, XXXX XXXX XXXX declined to open a checking account for me, and XXXX XXXX XXXX restricted and will be closing both of my new investment accounts with them. 

Per my ChexSystems consumer disclosure ( see attached ), there are no negative or derogatory items listed on my ChexSystems report, only multiple recent inquiries due to moving multiple CDs from XXXX financial institution to another for a better rate and opening several new checking and savings accounts. 

Per the letter I received from XXXX XXXX XXXX ( also see attached ), here are the ChexSystems score and " key factors that adversely affected your score '', that are used by XXXX XXXX as reasons for the decline to open a checking account : Score : XXXX ( Score range : from XXXX to XXXX ) Reasons listed : PREVIOUS DEBIT INQUIRY HISTORY RECENT DEBIT INQUIRY ACTIVITY INSUFFICIENT DEBIT HISTORY MULTIPLE RECENT DEBIT INQUIRIES CHEX INQUIRIES MAY HAVE ADVERSELY IMPACTED THE SCORE The above seems a somewhat off, as it makes no sense that multiple recent inquiries alone on a ChexSystems report would cause the ChexSystems score to drop to such a low value of XXXX! I have responsibly managed multiple checking, savings, CD, investment and credit accounts for many years, have never overdrawn or otherwise mishandled any of my accounts or bounced any checks, and have nenver been late or otherwise in default on any of my credit obligations. As a result, it makes absolutely no sense that my ChexSystems score would be XXXX, merely due to recent inquiries, and would result in such drastic measures ( checking account declined, both brokerage accounts restricted ) due to ChexSystems making me look really bad to XXXX XXXX due to extremely low score!!!
Product: Credit reporting or other personal consumer reports

A fraudulent account is repeatedly reported on my credit file. This account has been deleted but continues to return showing varying balances and varying late payments. I am writing to formally dispute and demand the immediate removal of the fraudulent account from my credit report due to identity theft. This account was opened without my consent, and I am invoking my rights under Fair Credit Reporting Act ( FCRA ) to have this account removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion this fraudulent account or information related to the identity theft, as authorized by 15U.S.C 1681C-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my personal and sensitive data to unauthorized individuals. The fraudulent account is listed here - XXXX XXXX  - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not repoting my XXXX with a XXXX limit to XXXX  or transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX  : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} XXXX XXXX XXXX XXXX  {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was wrecked and was suppose to been covered with GAP coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.
Product: Credit reporting or other personal consumer reports

I found incorrect accounts on my credit report tonight, and I have no idea what caused them. I checked my credit report like I always do, but this time, there were unexpected discrepancies. Refreshing my browser didnt remove the errors, so I am requesting a thorough review of the documents I sent to resolve this issue permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX Acct # 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.