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

Complaint : Comenity Bank has been incorrectly charging {$2.00} interest payments on months my card was paid in full and not used at all. They failed to notify me of my outstanding balance, charged me several late fees on that {$2.00}, and have unfairly damaged my credit score. 


History : XX/XX/XXXX -- I made a purchase for {$92.00} on my Express store card with Comenity Bank. 
XX/XX/XXXX -- I received the statement for my purchase, but misplaced and failed to pay this bill. 
XX/XX/XXXX -- I forgot to make a payment by the due date, and got a legitimate late fee. New statement balance of XXXX. 
XX/XX/XXXX -- I made a payment for my full statement balance of {$120.00} XX/XX/XXXX -- Despite paying off the account in full, I was INCORRECTLY CHARGED an additional {$2.00} of minimum interest. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -- Having not used the card at any point in this period, I was unaware of the incorrect {$2.00} fee. I was then charged {$8.00}, {$16.00}, and {$32.00} late fees, for a total bill of {$62.00}. I WAS NOT NOTIFIED by Comenity at any point of my outstanding balance or the late fees being applied, either by phone or email. 
XX/XX/XXXX -- I discovered a derogatory mark on my credit score, and traced it back to my Express store card and the surprise charges. I scheduled the payment for the full {$62.00} balance. 
XX/XX/XXXX -- On my next statement, Comenity applied another INCORRECT {$2.00} " minimum interest fee ''. 
XX/XX/XXXX -- I called to speak with a representative on the phone. The automated phone system tried to close my account before speaking with any actual human, with the {$2.00} still unpaid ( which, judging by other CFPB complaints would have led to even more late fees! ) Upon speaking with a representative, she failed to understand any of my complaints, ignored my concerns about my credit score, and claimed to reverse the {$2.00} charge. On my account on the card website, it now shows me owing another {$2.00} charge instead.
Product: Student loan

Interest kept changing without notification. Forced into forevearance because could not afford payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, we attempted to pay for airport parking my card with a {$12000.00} limit was declined. Upon contacting the creditor ( XXXX XXXX ), I was informed that TransUnion sent a letter to them stating I was overextended. I was never informed of any action like this. Now, upon contacting TransUnion, they disavow any knowledge of ever having done this and that all they do is monitor credit. Why would the creditor tell me TransUnion sent them this letter? The creditor told me my credit limit was decreased from {$12000.00} to {$2500.00} leaving {$11.00} in available credit. Additionally, I received a letter from XXXX XXXX XXXX stating the same thing. XXXX XXXX XXXX closed my account without cause. I have never been late or ever done anything wrong to anyone involved in this complaint. The only equitable solution for me would be to reinstate these cards. I am getting notifications like this daily now.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information is being reported on my credit report. The following names and addresses on my file are incorrect Ive never gone by this name and I have never lived at these addresses. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

WISE emailed me on XX/XX/2022 that my account has been deactivated and received my appeal to reopen my account. 

After many many emails to their support team, they finally replied to me saying they will give me a refund and have sent my money to my bank details I provided to them. 
The refund stated it will take 3-5 business working days ( this was from the support team sent to me on the XX/XX/2022. 

" XXXX : XXXX XXXX, your money has been refunded. " Find attached the email. 

To my surprise, the refund never arrived. I continued to email and call WISE for assitance and nobody would help me! 

Until XX/XX/XXXX when I received a message saying they will not give me a refund and will not reopen my account!! 
They said they will not give me a reason why and that the money never got refunded on XXXX XXXX. 


I feel scammed and abused and I have very confused also what has happened to my money, the money is around XXXX USD that they have of mine. 

Please help me get Wise to refund me and respond to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX XXXX XXXX XXXX below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section XXXX states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section XXXX causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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: Student loan

Navient continues to contact my co-signer and me several times per day at least 2 - 3 times a week. I have reported them to the XXXX as well as asked them to stop calling so often. They will even call from different numbers starting as early as XXXX. and " ending '' ( if you will ) as late as XXXX. I know that I 've been late but it appears that very often the late charges increase the pay-off so it 's difficult to get ahead. However, the harassment and constant phone calls must stop.
Product: Debt collection

Portfolio Recovery at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$2200.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Mortgage

I applied for a VA loan with this mortgage company and was preapproved. My application was submitted in XX/XX/XXXX. I completed documents through XXXX online. I provided all the documents requested in a timely manner. I paid {$520.00} for an appraisal out of pocket. So fast forward to XX/XX/XXXX. During this whole time I was advised that the delay was due to not having enough underwriters and issues with COVID. I asked the processor if there were any issues with my application and she stated that as long as nothing changes I should be good to go. She calls me and says that a termite inspection is required and that is holding up the approval. I pay {$250.00} to get the termite inspection done. A week later I receive a call from the processor and she leaves a message to call her. I call her and email her and never get a response. I look online and see a decline on the loan. I email and finally speak to the Loan Officer on the phone. I ask him why my loan was declined. His response to me was that he pulled my credit again and my credit scores have dropped making me ineligible for the loan. I call the credit agency this company uses to find out what my scores are currently. I uncover that he had lied and my credit was never pulled again. The credit score he stated was the exact same scores on my credit when he pulled it in XX/XX/XXXX. When I received the decline letter it stated the application was incomplete, which is a lie. My score had never changed and this Loan Officer had accepted an application and processed it knowing that based on my credit score ( at the time of application ) would never have a chance of approval. This application should have never been processed ... period. I contacted the Loan Officer and sent him an email demanding they refund me the expenses I incurred for no reason. My application never had a chance of approval and I felt like that was wrong on their part. Had they just decline the application as they should have I would not have incurred the expenses and felt they are liable. They sent me a check for {$520.00} but not for the {$250.00}. I sent two emails advising them I would like to be reimbursed for the {$250.00} as well. They did not respond. I am going to file a complaint with XXXX as well. If it happened to me Im wondering how many other people this may be happening to. Had I not investigated this I would have just accepted the result. I knew my credit had not changed because I was monitoring it. This Loan Officer should be held accountable for his actions. His files should be investigated to ensure hes not running numbers in order to hit his quotas. This was a major issue with a financial institution a few years ago.
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. You must remove/block any items that were 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 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 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: Payday loan, title loan, personal loan, or advance loan

I was approved with an unsecured installment loan from Mariner Finance on XX/XX/XXXX. I've made all payments on time. On XX/XX/XXXX I paid my loan ahead approximately 7 months which made my next payment due XX/XX/XXXX. At that time my payoff amount, per Mariner 's website, was around {$5300.00} However, in XX/XX/XXXX ( 4 months from my paid ahead date ) my credit monitoring service began sending me notification that the outstanding balance of my loan had increased. I was notified my balance increased in by {$100.00} and again in XXXX by {$110.00}. 

I contacted Mariner on XX/XX/XXXX via phone, I spoke with an agent and the agent 's supervisor for an explanation which neither of them were able to provide. I was advised to send a letter of dispute to their office, which I have sent. However, I have not yet received a response from Mariner
Product: Credit reporting or other personal consumer reports

I am writing to provide an update regarding the dispute I previously filed with the Consumer Financial Protection Bureau. My dispute was related to inaccuracies on my credit reports from XXXX, TransUnion, and XXXX. The reference numbers for my complaints are : XXXX XXXX XXXX I filed these disputes concerning inaccurate information that I identified on my credit reports with XXXX, TransUnion, and XXXX. Since filing my original complaint, I have made efforts to follow up on the status of my disputes and have received responses from the three credit bureaus. I am attaching examples of the correspondence, as well as my current credit report findings, for your review. 

In these documents, you will find a detailed outline of the issues I reported, the credit bureaus ' responses, and any updates I have received regarding the resolution process. I have included the relevant pages of the credit reports from XXXX, TransUnion, and XXXX, as well as any dispute resolutions or lack of resolution.
Product: Checking or savings account

I have an available balance in my account - i use the money - then i have an automatic draft hit my account and bring me a negative balance at which point all the transactions that i did before this will get an overdraft fee. VERY UNETHICAL
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

my credit card was stolen when they sent it to me in the mail and someone other than me activated the card made a purchase without my authorization and now the Wells Fargo bank wants me to pay this debt without me being the one who made it
Product: Student loan

I have been an XXXX XXXX  member for 13 years plus and when I applied for a student loan with the Dept of Education in 2008 I was approved for the XXXX this loan was given to me via Ascendium and the US Dept Of Ed. I have had the loan in forbearance several times with intention of using my education awards to pay this loan in time, I recently was informed that tis loan was in default and I owed a sum of {$9500.00} for a loan of only {$3700.00}!!! I as an XXXX XXXX XXXX XXXX member find this excessive interest rates XXXX and unacceptable at the time of the loan I had no understanding of the 6.8 percent interest on this student loan coming form the department of education!!! I have never heard of such a rip off of the student loan process!!! I need help reducing or canceling this loan as I have made several attempts via myamericorps.gov portal to pay this loan with no success and it continues to increase my interest apart from the covid-19 protocols someone needs to raise this issue to congress as XXXX students like myself have been placed in this situation base on my race credit and lack their of this is a violation of my civil rights to equal treatment and I want to raise this issue as high as it high as it can go to expos this travesty in the XXXX community!
Product: Credit reporting or other personal consumer reports

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Product: Credit card or prepaid card

I was notified by Serve due to activity on y account alerted by a fraudster call to initiate the locking me out of my account in an attempt to take over my debit card. After loosing first the access to the emai on file ti the account and after I called Serve to update the account I discovered the card was deactivated and in processing to be reissued, although much of my personal information was listed as old contact in which is similar to the the sctions of the persons responsible for my recent attack, theft of property, and continuous theft and fradulent use of my banking information, phone data, and consumer profiles as well as email accounts and personal stalking. Two of the three suspects were paced in custody and one is at large which is likely the driving force behind these recent transactions.Tonight I noticed the two now released individuals on several occassions at and around my complex which has been the case since one was released and other has remained at larged ; with ongoing attempts at interference with my accounts through what I was abile to notice as phishing through inbound emails, calls, bluetooth activation, and the pursuit of unknown methods through common apps I was advised to get a new device although when doing so Access to important emails and other account remained inaccessible such as my main email and bank account which I was only able to accessat about XXXX AM XX/XX/XXXX. XX/XX/XXXX XXXX with 1 pending transactions I am noticing 15 unauthorized amounts that are transactions totalling nearly {$720.00}. i have made nearly 23 reports for this activity and charges has been filed, but This is a case of stalking and the theft is a mere agitation being pursued to impose more mental anguish. My banking institute fail to acknowedge me as such, a victim of unforeseen circumstances and the loss of monthly benefits has become the causation of hardship in need of mediation to resolve, replace, and contemporary aid me in the recouping of funds as I just today have converted my banking to a more secure and mainstream institution, but I am demading the funds be provided with any unneccessary delay due to no fault oc my own and the acount remain accessible during with time for the immediate and full withdrawal of these funds. Report was made on XX/XX/XXXX to one other federal regulatory agency in this matter.
Product: Credit reporting or other personal consumer reports

Received letter from Loan Depot, XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX, dated XX/XX/2024. Which myself and wife received indicated that they had a breach in their company computer system and our personal information ( identity ) problem was included, they say they done investigation, but why are they writing to us? My wife and I never had submitted any loan with them to the best of our knowledge ( POSSIBLE FRAUD ) within this company. 
Request that an investigation be completed on this company. Will forward letter if needed. 

THANK YOU XXXX ( RETIRED XXXX ) XXXX XXXX XXXX & ( XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Complaint Regarding XXXX Secured Store Card Unacceptable Payment Processing Delays To Whom It XXXX Concern, I am writing to formally express my extreme dissatisfaction with the XXXX XXXX XXXX XXXX, issued by Synchrony Bank. I opened this card with the expectation that it would help me build credit while providing the convenience of using it for purchases. However, my experience has been anything but beneficial. 

After making a payment I was shocked to discover that my available credit was not updated for weeks. This delay in processing makes the card nearly useless, as I am unable to make new purchases in a timely manner. XXXX half a month for a payment to clear is entirely unreasonable, especially for a secured credit card where funds should be readily available. 

Even after several chat sessions with a " live agent '' and the agent stating that they would work alongside their supervisor to have my available credit updated after successfully logging out then back into my account was and epic fail and has ultimately landed me here as my patience has been exhausted and I no longer desire to deal with either Synchrony Bank or XXXX. 

This experience has led me to cancel my XXXX XXXX membership and significantly reduce my business with XXXX, as I no longer trust their financial services. I feel that the XXXX Secured Store Card is misleading, ineffective, and ultimately a waste of money for customers who are trying to build their credit responsibly. 

I strongly urge Synchrony Bank and XXXX to address these processing delays and improve transparency regarding how payments are handled. I also encourage other potential customers to think twice before applying for this card. 

If there is any resolution or action that can be taken to rectify this situation, I would appreciate a response. Otherwise, I will be sharing my experience through online reviews, financial consumer forums to highlight these unfair practices. 
Sincerely,
Product: Debt collection

Didnt receive any information about debt. Information sold to 3 party
Product: Credit card

In XX/XX/2023 I received my first bill from a Citibank AAdvantage Credit Card ( last XXXX of card XXXX ). On the bill there were XXXX charges of {$5.00} from XX/XX/XXXX and XXXX charges from XX/XX/XXXX for {$5.00} to a XXXX XXXX XXXX XXXX XXXX. I immediately reported these charges as fraud and closed my account. Since then, I am still receiving bills from Citibank claiming I have a past due amount and late fees totaling near {$100.00}. I have filled two more fraud reports on the same issue, first one on XX/XX/XXXX at XXXX XXXX and again on XXXX XXXX at XXXX XXXX Citibank is still sending me bills without letting me know anything about the fraud report that I have filed 3 times now.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed